How to respond to debt collectors threatening to sue?

Answer by  Roland27 (16334)

Most will threaten to sue if you're not attempting to pay off the debt. Arrange a payment plan with the agency that you can afford to pay so they're happy.

Answer by  mlnr (257)

Look up the Fair Debt Collection Practices Act, which explains what collectors are allowed to do. You also might need to consult a lawyer about your rights.

Answer by  Donny99 (180)

Ask them to provide the "validation of debt" to you in writing because you need to verify the exact date of the debt before you are in a position to perhaps repay. Ask them to mail this to you and that after you get it you can better proceed and better analyze things.