What to Do After Receiving a Letter From a Law Firm About Debt Collection
The average American has a debt of about $90,460 according to CNBC. However, if you have defaulted on your payments, about debt collection can be traumatizing. You may not know what to do next if you are not in a position to clear the outstanding amount immediately.
But a letter from a lawyer for debt collection does not mean you will be taken to court the next morning. There are various ways of responding to a debt collection letter from an attorney without worsening your debt situation.
You can choose to respond to the lawyer's debt collection letter on your own or through a third party. If you are not conversant with the legal language, responding to a debt collector attorney letter may be a challenge. Besides, you may not be aware of the options available to you.
Although attorney debt collection letters can be scary, collection lawyers operate within the Fair Debt Collections Practices Act. The act protects the consumer from unfair treatment by the collection agencies. However, solving the issue at hand helps you to avoid further complications such as court cases.
Do I Need to Respond to Debt Collections Letters?
If you ignore a , it will be assumed that the debt is valid. The collection attorney will institute recovery measures to settle the debt. Whether the debt in question is valid or not, it is always good to respond to a debt collection letter as soon as possible. Also, it’s best that you are aware of how often debt collectors can take you to court. Ensure you respond to the letter within 30 days from the date of receipt.
How to Respond to a Letter from a Law Firm About Debt Collections on your own
Once you receive a debt collection letter from an attorney, the best thing is to read and understand the letter. In most cases, the letters from a collection attorney indicate an outstanding debt that needs to be cleared. However, the letter does not necessarily mean the debt is valid. You can respond to the letter in two ways;
- Pay the outstanding amount if you believe it is valid
- Or send a validation letter
Paying the amount, as indicated on the collection letter, solves the issue once and for all. However, you should request a clearance letter from the attorney indicating you have no further obligations to the debt.
Sending a Validation Letter
If you are in doubt about the amount indicated in the letter or are not in a position to clear the debt, you can send a validation letter to the collection attorney. The validation letter stops further action until the debt is validated. Ensure you send the validation letter within 30 days after the first contact with the collection attorney.
If the debt is validated, you can;
- Make full payment for the debt
- Negotiate with the collection attorney on how to make the payments
Dispute the Debt
You have a right to dispute the debt if you feel it is exaggerated or is not legally enforceable. If you choose to dispute, ensure you have:
- Proof of payment
- Or grounds to prove the debt is invalid
How to Respond to a Letter From Law Firm About Debt Collection With DoNotPay
The process of responding to a letter from a collection attorney is long and tedious. You will spend valuable time writing validation letters or disputing the debt. In addition, you must respond to the attorney within thirty days. However, you do not have to spend your time learning how to write a response to a collection attorney. DoNotPay automated platform offers you a simplified option of responding to letters from collection lawyers.
Here's how it works:
- Search “debt collection” on DoNotPay.
- Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.
- Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to the CFPB.
And that's it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We'll deliver your request directly to the debt collectors via first-class mail, or file your complaint automatically with the CFPB so that they're no longer able to use unfair debt collection practices.
Why Use DoNotPay to Respond to a Letter From Law Firm About Debt Collection
DoNotPay offers you a first, easy, and successful way of responding to letters from collection attorneys. Try it today.
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Other than helping you respond to a collection letter from an attorney, DoNotPay deal with issues around ERC debt collection, dispute attachment of your stimulus check to debt, or deal with medical debts.
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