Hope u r well…
I just got a call from a recovery agent at 8 PM, and I’m not sure what to do about it. I know there are rules about when they can call, but I’m not sure if this is against those rules or what my rights are.
Has anyone else been through this? Should I be answering these calls, or is there a way to push back if they’re calling this late? Any advice would be really helpful!
Regards…
Request the precise debt the agent is contacting about, along with the name of the creditor.Get a copy of the debt validation, which includes the date of the debt, the amount owing, and the original creditor. The Fair Debt Collection Practices Act (FDCPA) grants this legal authority.
Make sure you are the legitimate debtor and that the debt is correct.
The statute of limitations Verify your state’s statute of limitations. The creditor might not be able to collect on the obligation if it is past the statute of limitations.
Ask the agent about creating a payment plan if you are unable to make the entire amount due. Clearly describe your complaints and ask for a written dispute if you think the debt is unfair or wrong.
Speak with a consumer law specialist if you have questions about your rights or if the agent is acting aggressively or harassingly.
Maintain a log of all discussions, correspondence, and paperwork pertaining to the debt. Get familiar with the FDCPA and the debt collection rules in your state.