Key rights

• Debt validation: You may request written verification of a debt within 30 days of the initial written notice (where applicable).
• Dispute the debt: If you believe a balance is incorrect, not yours, or already paid, you may dispute it in writing.
• Cease communication: You may request that we stop contacting you, subject to limited exceptions allowed by law.
• Accurate information: You have the right to clear information about the amount owed and the original creditor when required.
• Harassment protection: Collectors may not use abusive, threatening, or deceptive practices.
• Attorney representation: If you are represented by an attorney regarding the debt, notify us in writing.

How to exercise your rights

Use our secure channels so we can document and respond promptly:

• File a dispute or validation request
• Debt validation rights (details)
• Cease communication request
• Contact us by email or mail