Debt Collectors Further Contact With You

No, a collector may not contact you if, within 30 days after you receive the written notice, you send the collection agency a letter stating you do not owe money.

However, a collector can renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount owed. To make certain, check all three copies of your credit report (Experian, Transunion and Equifax) to see if the debt appears on any of these reports and that it is indeed owed by you.