Make debt collectors follow the law

Turns out debt collectors have been doing the same sort of thing that the mortgage lenders got caught doing:  Failing to be honest about what they had done and what information they had.

Court rules generally require anyone submitting an affidavit to a court against a debtor to have proof of that claim — proper documentation of a debt’s origins, history and amount.

Debt collectors — many of who have bought their debt from others — commonly do not have that information.  And the information they do have is often wrong.  Nevertheless they use “robo signers” to attest that everything is in order.

Don’t let them get away with it.

If a debt collector tries to collect from you, especially if they threaten to take you to court, demand that they send you a copy of the information they have on that debt, including accurate documentation of the debt’s origins, history and amount.

Sometimes there is no need to go that far.  Sometimes the best thing is simply to ignore the collection efforts.

We have written a lot about the best thing to do when the debt collector comes after you.  What you do depends on the size of the debt, the age of the debt, and whether or not you think it is legitimate.  Click here to check our archives for information on Types of Debt.

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