Articles Index

How Debt Validation Works for Debt Collections

Debt validation is your right to have the debt collectors prove you owe what they say you owe. If the collector can't validate the debt, they can't collect from you.

Should You Pay an Old Collection?

When a debt collector contacts you to pay an old collection, you might wonder if it's worth paying, especially if the debt is years or decades old.

When a Debt Collector Ignores Your Cease and Desist Letter

A cease and desist letter is one of the best ways to stop debt collector calls. Here's what to do when the collector ignores yours.

Can Debt Collectors Contact Your Employer?

The Fair Debt Collection Practices Act is specific about whether debt collectors can contact your employers and what they're allowed to say.

Keep Track of Debt Collector Calls and Communication

Debt collectors are known for their bad habits in collecting debts. Keep track of calls and communications just in case you ever have to face a collector in court.

What to Do About Wrong Number Collection Calls

Follow these step to put an end to wrong number calls from debt collectors.

Tactics For Paying Off Debt Collections

Before you pay off a collection account, first negotiate with the debt collector to have your credit report updated to something that works in your favor. As you work with debt collectors to negotiate a payment, keep in mind what you and the collector want from the deal.

Sample Debt Validation Letter For Debt Collectors

Debt validation requests should be made in writing. Here is a sample debt validation letter you can send to collectors.

Three Things to Do After You Pay a Debt Collection

Once you pay a debt collection take a few extra steps to make sure the collection account is completely satisfied.