Credit and housing resource
A collection account is something you can work through.
A collection can feel urgent or embarrassing. Slow the situation down, protect your information, and gather facts before agreeing to pay or giving a collector sensitive information.
Start with three steps
Ask for the collector’s name, company, mailing address, phone number, and information about the original creditor.
Compare the creditor, account, amount, fees, dates, and your name with your own records.
Save letters and messages. Note dates, phone numbers, names, and what was discussed.
If the debt is not yours or the information is wrong
A validation notice generally identifies a 30-day period for disputing the debt. A written dispute sent within that period generally requires the collector to pause collection of the disputed amount until it provides verification. Deadlines and rights can depend on the situation, so act promptly and consider legal help if court papers are involved.
Read the CFPB validation-notice guideBefore making a payment or agreement
- Confirm the debt and collector are legitimate.
- Ask for the balance and agreement terms in writing.
- Do not share bank information, a Social Security number, or other sensitive details until you have verified the collector.
- Do not agree to an amount that would put housing, food, medicine, utilities, or safety at risk.
- Do not ignore a lawsuit or court deadline; contact an attorney or legal-aid organization promptly.
You do not have to sort it out alone
Bring the collection notice to Shelby Hughes.
Shelby can help you organize the information, understand how it may affect a housing goal, and identify questions to ask. Counseling is educational and does not replace legal advice.
Consumer-rights information is based on guidance from the Consumer Financial Protection Bureau.