You should know by now that once you receive a collection letter from collections, you should at once respond by disputing the debt within 30 days. Collectors do not like the process of validating debts or credit repair demands. All a collector wants to do is to send out letters and collect money which should not be the case most times if you know your rights.

It is important to note that debt collectors have a primary goal; to collect money from you.

If you are unsure of a debt that a collector has contacted you about the first thing you must do is send a debt validation letter to the collection agency that is constantly calling you. The purpose of the letter is to make sure the collection company has rights to collect money from you in the first place.