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Debt collectors are required to let you know that you have the right to challenge the debt. When debt collectors contact you to collect a debt, they must disclose the name of the creditor, the amount owed, and the fact that you can ask for information about the original creditor. You get limited days to dispute all or a portion of the debt if you believe the disputed account is not yours.


Collection companies are prohibited from harassing you, your loved ones, or your neighbors. They are however still able to notify credit reporting companies about your debt and serve you with legal documents.

There are legal remedies you can take if a debt collector is harassing you, lying to you, threatening you, abusing you; physically or verbally, or using filthy language. If they violate the regulations, you have two options: file a lawsuit against them or notify your state’s attorney general through the state consumer protection office.

Contact our professional team at Drought Proof for more info!

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