Debt Collection
Debt Validation Letter: How to Make a Collector Prove the Debt
The 30-day validation period, what counts as verification, and California's extra proof rules for debt buyers.
Read guideDebt Collection Letter Guides
Your rights when a collector contacts you: validation, disputes, stopping contact and responding to a collection letter. These 3 guides are checked against official California and federal sources.
Debt Collection
How to Respond to a Collection Letter Without Making It Worse
A triage guide: scam checks, old-debt rules, dispute versus pay versus settle, written settlements and court deadlines.
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Debt Collection
How to Stop Debt Collector Calls: Cease Letters and Contact Limits
What a written cease request stops, what it doesn't, call-frequency limits, workplace rules and what to do if calls continue.
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Get practical letter checklists, document prompts, and reminders from Talk to My Lawyer before you start a demand letter, cease and desist letter, or dispute letter written and sent by an attorney.