What To Do If A Debt Collector Never Sent A Written Notice? (2022)

Last Updated: Nov 15, 2022

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Having trouble with debt collectors who never sent a written notice regarding the debt they intend on collecting from you? The Fair Debt Collection Practices Act (FDCPA) was created for this very purpose. To prescribe and regulate the procedure debt collectors must follow when collecting a debt. We set out your options below!

Can Debts Be Sent To Collections Without Notice?

Believe it or not, it can happen! Collections damage your credit score. If you aren't monitoring your credit, an unexpected collection can drastically decrease your score. You will still have options available to at the very least delay the collection process, or at best have the debt removed entirely.

What To Do If A No Written Notice Is Sent By Debt Collector?

If you send the letter within 30 days of the first contact, the debt collector must stop their debt pursuit, until they can verify that the debt is yours. You can still send a verification letter after the 30-day mark, but the debt will be assumed valid, and the collector can continue to seek payment during this period.

If a debt collector refuses to send a validation notice, or fails to respond to your verification letter, it is a violation of The Collection Practices Act. If this happens, you can file a complaint with the Consumer Financial Protection Bureau.

The debt validation letter must include: The amount owed, and the name of the creditor seeking payment, amongst other rules pertaining to disputes.

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What Can You Do If You Find A Collection On Your Report?

If you discover a previously unknown collection on your credit report there are steps you can take to manage this undesirable situation. While you can't dispute accurate debts, you can dispute inaccuracies to get them removed. To determine whether a debt is valid you can:

  • Check The Accuracy Of The Collection - One of the most important things to do is make sure the collection is accurate. Check your personal information, account statuses, and look for any balance errors. You don’t want to pay a sum that is not yours, or accidentally activate an old debt that might be past the statute of limitations.
  • Ask For A Written Notice Of The Debt - Under the Fair Debt Collections Practices Act, debt collectors are required to provide written notice of debts. If the debt collector doesn't provide one, get this investigated as you might be dealing with a scammer.
  • Verify The Debt - Debt records aren't always accurate. If a debt collection agency can't prove that it is your debt, you can dispute it. With the services of CreditGlory, you do not have to stress, because we’ve got your back.

Bottom line

It is important to know your rights as a consumer. You can follow the steps above to handle a situation in which a debt collector has never provided you with a written notice. You can also consult credit repair specialists Credit Sage to explore the best solutions available for boosting your credit score today!

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