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Phone: 804-282-7900
The Consumer Law Group, P.C.

What are my rights if a debt collector contacts me?

Federal and state laws give you rights against bill collector harassment. Collection agencies and debt collectors are required to provide you with a notice of your rights within 5 days of the first communication with you.

You have the right to demand that a debt collector cease communication. You just have to write a letter setting forth your demand. (See our Cease & Desist Letter.)  If you notify the collector that you refuse to pay the debt, that notice also serves as a cease communications notice. In either event, the debt collector may no longer communicate with you except to notify you that he is exercising specific rights.

Debt collectors are prohibited from collecting debts that are not owed. You have the right to demand that the debt collector prove you owe the money. This process is known as "validation" of the debt. (See our Debt Validation Letter.)  Debt collectors must notify you of this right, and if you request validation in writing within 30 days of receiving your notice of rights, the debt collector must either validate the debt to you or cease collection efforts.