Frequently Asked Questions

What if the consumer disputes the debt?

The federal Fair Debt Collections Practices Act provides that, for collection agencies, the consumer must contact you within 30 days of receiving the initial notice to inform you they are disputing the debt. You must then halt collection activity until a copy of the verification is sent to the consumer. Once verification has been sent, you may resume collection efforts. If the debt cannot be verified, you must cease activity on the consumer’s account. During the time the consumer is disputing the debt, you may not disclose any information about the debt without also stating that it is being disputed.