May A Creditor Continue To Contact The Debtor, If The Debtor Believes They Do Not Owe Money?

A creditor may not contact the debtor if, within 30 days after the debtor is first contacted, debtor sends the creditor a letter stating they do not owe money. However, a collector can renew collection activities if the debtor is sent proof of the debt, such as a copy of a bill for the amount owed.

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.

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