Watch this video to see how Bryan, a U.S. Army veteran, was able to get debt collectors to stop contacting him about a debt he didn’t think he owed.
Bryan asked the collectors for proof of his debt, which they didn’t have. A collector has to give you “validation information” about the debt, either during their first phone call with you or in writing within five days after first contacting you. The collector must tell you four pieces of information:
- how much money you owe
- the name of the creditor you owe it to
- how to get the name of the original creditor
- what to do if you don’t think it’s your debt
If a debt collector won’t give you this information, report them to the FTC at ReportFraud.ftc.gov. To learn more about your rights, visit consumer.gov/debt. Please share this video with friends and family so they’ll know what to do if they get a call about a debt they don’t think they owe.