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Summary: Please cease and desist all calls and contact with me, immediately. These are 11 words that can stop debt collectors in their tracks. If youre being sued by a debt collector, SoloSuit can help you respond and win in court. How does the 11-word credit loophole actually work?
Why do collectors not leave voicemails?
Because debt collectors are not permitted to contact anyone other than you or your spouse, most often a debt collector is not allowed to leave voicemails at work. This is because typically a work phone will be accessed by other employees or your boss.
How do I know if a collection agency is legitimate?
Ask the caller for a name, company, street address, telephone number, and professional license number. Many states require debt collectors to be licensed. Check the information the caller provides you with your state attorney general . Your state regulator may be of assistance if your state licenses debt collectors.
How long before a debt becomes uncollectible?
In California, the statute of limitations for consumer debt is four years. This means a creditor cant prevail in court after four years have passed, making the debt essentially uncollectable.
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