They usually do this with a written validation notice. In most circumstances, the collector must give you details about the debt during your first conversation or within 5 days of when they first contact you. If you are responsible for the debt, a lawyer can help you understand and protect your money and property from collectors under federal and state exemption laws. A lawyer can help you figure out if you are responsible for paying a debt. But this doesn’t necessarily mean that you’re personally responsible for paying it. If you are the spouse of a person who died, parent of a child under 18 who died, or a personal representative for someone’s estateĭebt collectors can mention the debt to you, and you have the right to learn more about it. If there’s no estate or the estate can’t pay, then the debt generally will not be paid.
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