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Open a result for the full resource: rights, what it means, what to save, what to do first, what not to do, where to report and Defentra/Elite action options.
Understand what to save and what to do when a debt collector contacts you about a debt.
Consumers have rights when dealing with debt collectors. If you do not believe you owe the debt or the amount is wrong, you can dispute it with the collector and, if it appears on your credit report, with the credit reporting company.
What to do when a collector threatens you, keeps calling, refuses to explain the debt or claims you owe money you do not recognize.
Consumers have rights when dealing with debt collectors. If you do not believe you owe the debt or the amount is wrong, you can dispute it with the collector and keep written records.
What a debt collector should provide and how to use validation information when you do not recognize a debt.
Debt collectors generally must provide validation information about the debt, including who the creditor is, the amount and how to dispute the debt.
What to know before telling a debt collector to stop contacting you.
Consumers may be able to tell a debt collector in writing to stop contacting them, but this does not erase the debt or prevent certain legal notices.
What to do when a collector contacts you about a debt you do not recognize or believe belongs to someone else.
Consumers can dispute debts they do not believe they owe and should preserve validation information, credit report entries and proof supporting the dispute.
When a situation needs more than reading, use Defentra to scan, check, document and preserve evidence. For qualifying issues, Elite support can help organize the next steps.
This Resource Center is educational and organizational. It is not legal advice, financial advice or a guarantee of any outcome. Rights, remedies, deadlines and reporting paths can vary by state, account type, contract, agency rules and case facts.
