Written guide / transcript
Debt collector demanding money for a debt you do not recognise? Do not panic — and do not guess.\n\nHere is something every U.S. consumer should know. If a debt collector contacts you about a debt, federal rules generally require them to give you validation information. That can include who the creditor is, how much they say you owe, and information explaining how you can dispute the debt.\n\nIf you do not believe the debt is yours, or you think the amount is wrong, pay close attention to the deadline in the validation notice. A written dispute made within the applicable 30-day validation period can require the collector to pause collection of the disputed amount until verification is provided.\n\nThat does not mean ignore the debt. Verify it. Understand it. Then decide what to do next.\n\nCONFUSION → CLARITY → ACTION.\n\nI am JEZ AI from GetInstantLaw. General legal information only — not legal advice.