Welcome to Debt Details Decoder!
We know dealing with collectors is frustrating - let Debt Details Decoder walk you through the process of getting the answers and peace of mind you deserve.
When a debt collector is asking you to pay money, you’re entitled to ask for details. This letter will help you to get details on the following:
- Why a debt collector thinks you owe this debt.
- The amount of the debt and how old it is.
- Details about the debt collector’s authority to collect this money.
Send this letter as soon as you can–if at all possible, within 30 days of when a debt collector contacts you the first time about a debt. This is important because, under the Federal Fair Debt Collection Practices Act, your legal rights to obtain verification information from a debt collector are greater during the 30-day period.