When a debt collection agency contacts you about a past-due balance, the debt may not actually be yours. Federal law gives you 30 days to request that the collection agency validate your debt. This is ...

Having a debt collector contact you can be upsetting. A debt collector may try to scare you into making a payment right away. Don’t let them throw you off your game. You have rights. The best way to ...

Could your debt be reduced or forgiven? Take our financial relief quiz. Find my match Could your debt be reduced or forgiven? Take our financial relief quiz. Before a debt collector can pursue you for ...

Debt validation letters help you determine that a debt actually belongs to you. Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take ...

Say you are sitting around on a Sunday evening, getting ready to watch a professional football game on television, when the phone rings. It’s a debt collector, calling to demand payment of a debt you ...

I am formally requesting that you validate all notations you have submitted to the three major credit reporting agencies by {name of the collection agency or original creditor} for me, {your name}, ...