Since last week a collection agency has started calling and threatening me for a debt amount I don't owe. I've stated them the same, still they are calling and demanding the money!! What should I do, should I seek help from an attorney?

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Well, you might not know that under the FDCPA, it's mandatory for collection agencies to send you a debt validation notice within 5 days after the initial contact. The notice is just meant to inform you that you have the right to validate or dispute the debt within 30 days after receiving the notice. If the collection agency has not sent a validation notice yet, ask them to send now. If they still go on harassing you after this, then consult an attorney.


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