What do you do if you get a collection letter from a debt collection agency?

Elkin-Peck, PLLC is a consumer protection law firm that services Largo, FL. We understand that getting a debt collection letter from a collection agency or encountering any form of debt collection harassment can be a nerve-racking experience. If you are in the Largo area and are undergoing debt collection harassment, the first thing you should try and do, is figure out who you are dealing with. You want to make sure you are not being scammed. Some “collection agencies” are in fact not legitimate and may be trying to scam you out of money by sending you a debt collection letter. Keep in mind that a legitimate collection agency who is sending you a collection letter has either bought your debt from someone or who is working to collect the debt on behalf of someone else. If the collection letter refers to the “original creditor” this likely means that your debt has been sold and that the debt sought to be collected no longer belongs to the company who you originally owed money to. If a company is hiding who they are or who they attempting to collect a debt on behalf of, it is possible the company if not a real collection agency, but rather a scam. Remember a good scam creates the appearance that it is legitimate. Under the FDCPA you have the right to dispute a debt so long as you follow certain procedures, timely. If you live in Largo and have received a debt collection letter and want to know more about the collection agency who sent you the collection letter please feel free to call Elkin-Peck, PLLC, servicing Largo.

If you establish that the debt collection agency who sent you a debt collection letter is not a scam, your next step is to decide if you are going to pay or if the amount you are alleged to owe by the bill collector is accurate. If you have questions about this step in the process please feel free to call Elkin-Peck, PLLC servicing Largo.

Keep in mind that even if you owe a debt there are various debt collection laws to protect you from illegal and harassing debt collection conduct from collection agencies. Even if you owe a debt you have rights. If someone violates those consumer protection rights you may be able to sue a debt collection company for damages. Call Elkin-Peck, PLLC servicing Largo.