Debt Collection (Your Rights) Click on the question to see the answer.

What do I do if I keep getting letters from third-party collectors?
I have several credit card debts that third-party collectors are trying to collect. Nothing has been paid on them for many years. Now the third-party collectors are calling and saying they'll take legal action. When I asked for information to verify their claims, they refused. They even refused to give me an address so I could dispute this in writing. What recourse do I have?
I recently received a letter of reconciliation from a debt collection agency asking me to repay an outstanding debt. The letter only states a balance and that the collection agency is negotiating a settlement offer. I do not believe the debt is valid. I requested my credit report and there is no mention of this debt. I also have copies of my credit reports going back five years and there is no mention of the debt there either. If I contact this collector, will the calendar restart on the debt?
How old can a debt be and still be legally collectable by a debt collector?
How can I know that a debt collector is legitimate? I sent several payments to a debt collector to pay off a debt. However, none of the payments have gone toward my debt. A second agency has contacted me to pay off that same debt, plus additional fees. I am willing to pay on the debt, but I don't want to get caught paying an organization that is not really collecting the debt.
A collection agency deducted money from my checking account without my authorization. They had my account information from previously authorized payments. I haven’t received a Writ of Garnishment; can they continue to deduct money from my account without authorization?
Can my dentist charge a pre-collection fee and then add a collection fee to my outstanding balance? I did sign a form at their office that said they could charge fees, but are these fees legal?
Does United States federal law supersede any state laws concerning collections and the validation period?
A collection agency has been calling me. They haven't sent a letter yet and they refuse to give their address. Can they do this?
When a debt collector contacts me for the first time, what are the rules he or she must abide by?
How do I stop collection calls?
How do I get debt collectors to stop calling me about a bill I paid (or settled) years ago?
How do I get debt collectors to stop calling when I'm not the one they want; they're looking for my former roommate?
Can debt collectors discuss my debt with my spouse?
Can debt collectors discuss my debt with my children?
What rights do I have when a debt collector demands a post-dated check payment?
Can debt collectors refuse to accept a reasonable payment plan?
If I incurred debt in one state and then moved to another, which state's law applies?
What can I do if I believe a debt collector has broken the law?
How do I report a violation or file a complaint against a debt collector?
How can I find out which debt collectors have my accounts so I can start to pay off the accounts?
Can collection agencies report a debt to a consumer reporting agency without notifying you?
Is it legal for a collector to contact a neighbor?
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