What rights do I have to save myself from a creditor that is demanding that I pay on a bill? Actually, I feel these people are just harassing me. They sent me a few bills but I misplaced them. I requested those bills once again but they refused. So should I send them money without seeing anything? What rights do I have in this case?

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As per the Fair Debt Collection Practices Act (FDCPA), you obviously have a lot of rights to defend yourself against illegal creditor harassment. Send them a new debt validation letter in certified mail with return receipt requested. Tell them in the letter that the original documents were lost or misplaced. If they still go on harassing you after this without stating the actual amount due, get help of an experienced consumer attorney to help you have your rights.

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Last Updated on: Fri, 8 Jun 2018

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