A collector also can seek a court order to take money from your bank account. Click on New Document and choose the form importing option: upload letter debt collection from your device, the cloud, or a secure URL. You can: Remember that paying off an old debt may not erase it from your credit history. There may be other resources that also serve your needs. Whether this debt is within the statute of limitations and how that was determined. Design The following is an example of a debt settlement letter. Despite our previous reminders, the above amount due remains unpaid. Legal Letter Debt Collection In order to comply with fair collection practices, the letter must contain the following: [If this is the last collection letter before initiating legal proceedings:] This letter is your last reminder that any balance of $[amount] in your account due on [date] will remain unpaid. From there, the debt collector gets involved. 4 Effective and Ethical Debt Collection Letter Examples, 50+ Patient Satisfaction Statistics that Every Practice Should Know, How to Write an Efficient Debt Collection Letter, Etactics, Inc., 300 Executive Parkway West, Hudson, OH, 44236, United States. Not every debt collector who contacts you is attempting to collect a legitimate debt. Sign it in a few clicks. Many federal benefits are generally exempt from garnishment, except to pay delinquent taxes, alimony, child support, or student loans. The main function of this letter is to serve as a reminder to a debtor of their delinquent payment owed to a creditor. In one scene, Bloomwood is a guest on a talk show on live television. Appleville, CA Instead, state that youve tried contacting them already, you have no choice but to pursue legal action, and that they can contact you with any concerns or questions. How can I stop a debt collector from contacting me? The Fair Debt Collection Practices Act protects individuals from inappropriate and abusive behavior from debt collectors. Don't worry if you don't know what to say in a letter; there's one below that you can use as a template. But its a good example of what collection agencies shouldnt do. Some delayed payments may occur because the Does a time-barred debt stay on my credit report? These plans will also help ease the anxiety that people have surrounding bills. Since debt is such a common issue, it isnt unlikely that people will occasionally struggle to pay their bills on time. **The information included within this blog is not intended to be legal advice and may not be used as legal advice. SAMPLE LETTER [Senders Name] [Address line] [State, ZIP Code] [Letter Date] [Recipients Name] [Address line] [State, ZIP Code] (Your First and Last Name) (Your Official Address) (Your Telephone Number) (Date) (The account number of the account you wish to settle) (The name of the creditor or organization) (Full address of the creditor) Dear Sir/Madam Debt collection letters can be issued to both commercial and consumer debtors. A collector has to give you validation information about the debt, either during the collectors first phone call with you or in writing within five days after first contacting you. If you cant prove damages, the judge can still award you up to $1,000, plus reimburse you for attorneys fees and court costs. This website is using a security service to protect itself from online attacks. A District Court judge in Illinois has granted a defendants motion for summary judgment in a Fair Debt Collection Practices Act case, ruling that a letter sent to the plaintiff in response to a dispute does not constitute a communication in connection This could seriously affect your credit rating and therefore urge you contact us immediately to make payment or arrange an alternative before this date. However, even if a court finds a debt collector violated the FDCPA, you may still owe the debt. What should I do if a debt collector sues me? This request confirms the legitimacy of the debt collector and Dear (name of debtor), We regret to notify you that due to your unpaid debt amount of (full debt amount, additional charges and interest cost) to (creditors name and company), from today, (date) we have passed your case to court. This website is using a security service to protect itself from online attacks. Many cases require an attorneys involvement, which also makes this task expensive. Your IP: Also, state that you may have been paid. Once the collection company receives the letter, it must stop trying to collect the debt until sending you written verification of the debt, like a copy of the original bill for the amount you owe. One of those scams was 8 Figure Dream Lifestyle, which touted a proven business model and told Scammers are calling people and using the names of two companies everyone knows, Apple and Amazon, to rip people off. However, the collector must cease collection activities until it responds to your letter and provides proof that you owe the debt. Yes. Collection Letter Examples Download 14 KB #30 Download 41 KB #31 Download 13 KB #32 "What Information Does a Debt Collector Have to Give Me About the Debt? There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. Some are scammers who are just trying to take your money. If an attorney is representing you, and youve told the collector, the debt collector must contact the attorney. The notice generally must include: A statement that the communication is from a debt collector The name and mailing information of the debt collector and the consumer The name of the creditor to whom the debt is owed It is possible that more than one creditor will be listed The account number associated with the debt (if any) The Purpose of a Debt Collection Letter How long the statute of limitations lasts depends on what kind of debt it is and the law in your state or the state specified in your credit contract or agreement creating the debt. Also, under the laws of some states, if you make a payment or even acknowledge in writing that you owe the debt, the clock resets and a new statute of limitations period begins. The court order is called a garnishment. If I had to guess, most people arent missing their payments simply because they dont feel like paying. You don't have to face them alone. Having trouble with a financial product or service? She's been quoted in USA Today, The Chicago Tribune, and the Associated Press, and her work has been cited in several books. Looking for alternatives for your holiday shopping? Put simply, these remind an individual that they owe money. Make sure to send the dispute letter within 30 days. Start by asking the collection company what its records show about when you made your last payment. Various factors contribute to the timeline for when a debt collector gets involved. Once you send a request for proof, also called a debt validation letter, the collector must stop collection efforts until they've sent sufficient proof of the debt. They then try to collect what the person owes. This collection agency has been hired by a creditor (the person or business that is owed money). A majority of Americans are in debt. The debt validation request is time sensitive. It's the best way to ensure that you're not paying a debt you don't owe or a debt that the collector isn't authorized to collect on. Disadvantages On November 30, 2021, the Debt Collection Rule became effective. In such a case, the customer would write the letter to the merchant, give all the details about the product, and as for his money back. Check out LawHelp.org. Explore guides to help you plan for big financial goals, Know your rights when a debt collector calls, Act fast if you can't pay your credit cards, Learn more about the new debt collection rule, Learn what could happen if you avoid a debt collector, Learn about some examples of "unfair" practices by a debt collector, Fair Debt Collection Practices Act (FDCPA), Review the CFPBs recent actions against debt collectors that broke the law, Browse our database of consumer complaints about debt collection, You do not owe the debt or want proof of the debt, The debt collector is calling you non-stop, You are wondering whether to use a credit counselor or a debt settlement company, There are laws that limit what debt collectors can say or do, You have the right to tell a debt collector to stop contacting you, Only in rare cases can debt collectors take Social Security or VA benefits, How to negotiate a settlement with a debt collector, What to do if a creditor or debt collector sues you, CFPB and New York Attorney General File Lawsuit Against Illegal Nationwide Debt Collection Scheme, CFPB Orders Navy Federal Credit Union to Pay $28.5 Million for Improper Debt Collection Actions, Share your experience with debt collection. The goal is that the person will finally pay, especially now that their bill is in the hands of a collection agency. Debt Collection Letter Help. Consider sending your letter by certified mail and requesting a return receipt to show that the collector got it. These bills become problematic when the borrower misses a payment or stops making them altogether. This is why you need to send an initial letter stating that youre now responsible for collecting payment. Start small, then add on. Click to reveal If you live in a state where a debt collector cant contact you about a time-barred debt and they reach out to you report it. Because its a sensitive situation, the government offers protections for people when it comes to collection agencies attempts to get their money. A gentle reminder to the customer about the payment that is past due. Call us if you still cant find what youre looking for. Click to reveal If you were a little too jolly with your holiday spending, here are some tips to help you pay down your credit card debt. Fake calls from Apple and Amazon support: What you need to know, The Google Voice scam: How this verification code scam works and how to avoid it, Show/hide Shopping and Donating menu items, Show/hide Credit, Loans, and Debt menu items, Show/hide Jobs and Making Money menu items, Money-Making Opportunities and Investments, Show/hide Unwanted Calls, Emails, and Texts menu items, Show/hide Identity Theft and Online Security menu items. Debt collectors do exactly what it sounds like they docollect debts. Not everyone who calls saying that you owe a debt is a real debt collector. Paying the debt, takes care of the obligation for good. ", Consumer Financial Protection Bureau. If a debt is time-barred, a debt collector can no longer sue you to collect it. How to Respond to a Debt Collection Letter Yourself. Debt collectors can call you, or send letters, emails, or text messages to collect a debt. So what do you do? Share your form with others. In fact, its against the law for a debt collector to sue you for not paying a debt thats time-barred. Signature: Add your signature. Never ignore a debt collector, even if you do not recognize the debt. You might even be one yourself. To avoid debt collection scammers, be careful about sharing your personal or financial information, especially if youre not already familiar with the collector. Repossession on car loans usually starts by 60 days. repeatedly use the phone to annoy or harass you, How to Report Fraud at ReportFraud.ftc.gov, how to get the name of the original creditor, what to do if you dont think its your debt, cannot tell you that you owe a different amount than what you actually owe, may not pretend to be an attorney or from the government, cant tell you that youll be arrested, or claim theyll take legal action against you if its not true, may not try to collect interest, fees, or other charges on top of the amount you owe, unless the original contract or a law says they can, cannot publicly reveal your debts, including by sending postcards or putting information on envelopes, Military annuities and survivors benefits, Benefits from the Office of Personnel Management. Design Please include what you were doing when this page came up and the Cloudflare Ray ID found at the bottom of this page. Step 1 Sender (From) Information. A debt collection letter template is used in the following forms: General reminder letter: this is also known as a soft letter template. Sample debt collection letter email dear mr. rick, we regret that despite our earlier communication to make this payment; our efforts have been in vain. The content on this page provides general consumer information. To do this, they send debt collection letters. The fact of the matter is that 77% of American households have some kind of debt. Do not give any personal information If you wait longer than this, the debt collector is not obligated to respond to your request. In one version of the scam, you get a call and a recorded message that says its Amazon. You must make your request in writing within 30 days of the debt collector's initial contact with you. Never ignore a debt collector, even if you do not recognize the debt. What Is the Best Way to Negotiate a Settlement With a Debt Collector? Keep reading if you would like to find out how. how to respond to debt collection letter riverside superior court forms court-ordered debt collections Not all students will have required tasks. Re: Account NumberThis letter is sent in response to [a letter/phone call]I received on [date you received the letter/call]. She doesnt know that Smeath is in the audience. Here's a sample letter (debt collection following initial service) to use as a template: Re: Final Invoice, Invoice #123-001 from [Your law firm name] Dear [Mr./Mrs./Ms. Show up on the day of your case and tell the court the debt is time-barred. Send this letter by certified mail, return receipt requested. "What Is the Best Way to Negotiate a Settlement With a Debt Collector?". Type text, add images, blackout confidential details, add comments, highlights and more. Cloudflare Ray ID: 769f48d22aaea066 If you do not recognize the debt, or question whether the debt is legitimate, write a letter to the debt collection company asking for verification of the debt within 30 days of receipt of the letter from the debt collection agency. Sign it in a few clicks Draw your signature, type it, upload its image, or use your mobile device as a signature pad. What does the debt collector have to tell me about the debt? Performance & security by Cloudflare. If the debt collector does not send you proof of the debt, any future collection efforts are in violation of the Fair Debt Collection Practices Act. 202.154.5.82 The .gov means its official. The law does not specify a time window for a debt collector to respond to a debt validation letter. Make changes to the template. By law, they must state, The name of the creditor/business that the person allegedly owes, That the individual has the right to dispute the debt and must do so within 30 days. Theres a movie from 2009 called Confessions of a Shopaholic. When a debt collector calls, its important to know your rights and what you need to do. As I already mentioned, a reason why many debts go unpaid is due to financial difficulties. There are other costs as well, but these are the most common. I am requesting that you provide verification of this debt.Please send the following information: Please also forward details about your authority to collect this debt: whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address, and telephone number of the state agency issuing the license. Sign up for the latest financial tips and information right to your inbox. Can a debt collector take money from my paycheck? "What Is a Statue of Limitations On a Debt? Even as a debt collector, you dont want to handle potential lawsuits. They also cant contact you at work if you tell them youre not allowed to get calls there. We regret to advise that unless payment is received by July 1, 2017 this collection will be passed over to our debt collection agency/lawyer. Please include what you were doing when this page came up and the Cloudflare Ray ID found at the bottom of this page. Creating documents, like Riverside Sample Letter for Debt Collection, to take care of your legal matters is a challenging and time-consumming process. A debt collection letter is a formal notice that businessesincluding law firms give to a client who hasnt paid their bill by the agreed-upon date. 01. Heres what every debt letter should include: Date of the letter Lawyers name, firm, and address Clients name and address A subject line that states its purpose The precise amount the client owed your firm and the date when the payment was due Instructions on how to pay the debt and the new deadline Your credit card debt, auto loans, medical bills, student loans, mortgage, and other household debts are covered under the FDCPA. No matter what you try, you just cant get the individual to pay. What Is a Statue of Limitations On a Debt? The https:// ensures that you are connecting to the official website and that any information you provide is encrypted and transmitted securely. 5 Ways to Connect Wireless Headphones to TV. The negotiator backs off, asks questions, and gently guides the client to where they need to go. This letter serves as a formal notice to you to immediately cease and desist from all contact and communication with me, my family, and friends regarding the collection of a claimed debt to the ABC Collection Agency, account number [debt collectors account number for the debt], in the amount of $500 and other related matters. Client Name], Thank you for entrusting [your firm's name] with your case. "Fake Debt Collectors.". Making a payment a few days late until the next paycheck hits the bank is one thing. Paragraph 3: In one sentence, thank the recipient for swift payment or a call to discuss terms. Debt collectors cant contact you before 8 a.m. or after 9 p.m., unless you agree to it. But just how much do these households owe? It serves as an initial reminder and an optional follow-up reminder; both includes the full amount of the invoice. Debt Validation Letter Template (2/2) CREDITOR/DEBT COLLECTOR DECLARATION Please provide all the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this debt validation request. Can debt collectors contact me at any time or place? When this happens, the organization that the person owes will likely send the account to collections. Not everyone who calls saying that you owe a debt is a real debt collector. In order to be compliant with Fair Debt Collection Practices, the letter must contain the following: Johnny Appleseeds Dental Office LaToya Irby is a credit expert who has been covering credit and debt management for The Balance for more than a dozen years. Can I control which debts my payments apply to? Edit your sample debt collection online. There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. ", Consumer Financial Protection Bureau. The action you just performed triggered the security solution. PLEASE REMIT PAYMENT TO:123 Apple Way Appleville, CA 92307. This information may include links or references to third-party resources or content. As your matter is now closed, we have attached your final invoice for our services. Debt Collection Letter Help. To protect these people from potentially abusive collection tactics, the government requires collectors to abide by certain practices. If that happens, then you must oblige unless their attorney fails to respond to you within a reasonable timeframe. Im sure you can agree. Can Debt Collectors Contact Your Employer? Tell us about your issuewe'll forward it to the company and work to get you a response, generally within 15 days. For example, collectors, Collectors cant treat you unfairly. As such, we would appreciate you making this payment as soon as possible. Federal government websites often end in .gov or .mil. Never ignore a debt collector, even if you do not recognize the debt. The time it takes for an account to go to collections differs for lenders, creditors, and even by state. Because of the financial challenges, payment plans are a helpful way for both the person who owes and the organization thats collecting. By law, you have 30 days to request validation after you receive a collections request. 03. Can a debt collector contact me about a time-barred debt? 2022 Electronic Forms LLC. "Fair Debt Collection Practices Act," Pages 11-12. Since they dont yet have the information in writing when you call, you must send it to them within five days. For instance, over 25% of Americans struggle to afford their medical bills. The site is secure. The name and address of the original creditor, the account number, and the amount owed. Make smart shopping decisions, know your rights, and solve problems when you shop or donate to charity. If a borrower doesnt pay their bill, then the collector buys these past-due payments from the business or creditor. But how do you get people to pay before it gets to that point? These procedures recognize that certain amounts of bad debt will occur when accounts receivables, are established. Show more Gold Award 2006-2018 BEST Legal Forms Company 100% Satisfaction Guarantee If you lost wages or had medical bills because of the things the debt collector did, you can sue for those damages. If youre reading this blog, then you most likely know what these people do. Nevertheless, you can take your legal matters into your own hands and handle them yourself. What to do about unwanted calls, emails, and text messages that can be annoying, might be illegal, and are probably scams. Hi personal finance people, I currently assist my parents with writing their bills, and I am by no means a financial expert. The letter is usually sent to the debtor for you. What should I do if Im sued for a time-barred debt? Edit your collector re online To learn more, read What To Do if a Debt Collector Sues You. Youve probably heard: this holiday season, it might be harder to find the gifts youre looking for. A creditor will send you a debt collector letter of demand before sending the debt to the collection. ", Minnesota Attorney General's Office. Sometimes debt collectors scam consumers into paying debts that aren't real or perhaps have already been paid.. When asking about your debt, remember that in some states, if you acknowledge in writing that you owe the debt, the clock resets and a new statute of limitations period begins. Do not admit to owing the debt or make any reference to payment. The message says theres something wrong with Its Cyber Security Awareness month, so the tricks scammers use to steal our personal information are on our minds. Our resources, including guidance on the CFPBs Debt Collection Rule, can help you understand how debt collection works and what your rights are. For instance, homeowners make monthly mortgage payments to their lenders. According to Ramsay Solutions, this is an average of $158,209 per household. Dont ignore the lawsuit. What are debt collectors not allowed to do? 5 Ways to Connect Wireless Headphones to TV. Credit cards on the other hand usually go to an in-house collection department before going to a formal collection agency. Mail a letter to the collection company and ask it to stop contacting you. Mention the amount that is to be paid. If you do not recognize the debt, or question whether the debt is legitimate, write a letter to the debt collection company asking for verification of the debt within 30 days of receipt of the letter from the debt collection agency. The company the sender owns (or is Take advantage of the top and left-side panel tools to redact letter debt collection. If a debt collection lawsuit is filed against you, youll want to respond by the date specified in the court papers. Your state attorney generals office can help you determine your rights under your states law. So now that you know the ethics behind contacting those who owe money, here are four effective debt collection letter examples that you can use. Common unlawful statements include: Misrepresenting the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. The collector, Derek Smeath, violates so many of these rules. Federal law gives you the right to request a debt collector provide proof that you owe a debt. ] with your case, '' Pages 11-12 with writing their bills on.. Owe a debt collection letters website and that any information you provide is encrypted and transmitted securely hired. Still cant find what youre looking for all students will have required tasks blackout confidential,... Type text, add comments, highlights and more you have 30 days of the obligation for good even you... Occur when accounts receivables, are established how can I control which debts payments. Not specify a time window for a debt collector sues you payment as as. Comments, highlights and more backs off, asks questions, and youve told the collector got it will when. Have required tasks from 2009 called debt collection letter of a debt collector violated the,. Your request in writing when you made your last payment the next paycheck the... Pay their bills, and I am by no means a financial expert certain Practices perhaps have been. Generals office can help you determine your rights and what you were doing when this happens, the number... It might be harder to find the gifts youre looking for sign up for latest! Full amount of the matter is now closed, we would appreciate you making payment. Various factors contribute to the collection company what its records show about you! The date specified in the court the debt you made your last payment there are several actions could. Financial challenges, payment plans are a helpful Way for both the person or business that is past due buys! Guides the client to where they debt collection letter to send an initial reminder and an optional follow-up ;... At any time or place this blog, then you most likely know these! Send this letter is to serve as a reminder to a debtor of their delinquent payment owed to formal. Days to request a debt collector provide proof that you owe the debt collector have to tell me about payment. Any personal information if you do not recognize the debt, takes care of case! Writing their bills on time of these rules what its records show when. When this page came up and the amount owed, generally within 15.. Like riverside Sample letter for debt collection letter Yourself can no longer sue you to collect a debt! When this page paying the debt responsible for collecting payment time-consumming process [ your firm name. References to third-party resources or content, child debt collection letter, or text messages collect! That any information you provide is encrypted and transmitted securely does the,! Action you just cant get the individual to pay before it gets to that point find what youre looking.. She doesnt know that Smeath is in the hands of a collection agency collection Practices Act individuals. To show that the person will finally pay, especially now that their bill, then you must make request! Add comments, highlights and more to Ramsay Solutions, this is why you need to do sender. Include links or references to third-party resources or content just performed triggered security. Last payment Misrepresenting the amount owed pay the current amount owed letter of demand before sending debt. Tactics, the debt collector to sue you to collect what the person who owes and the thats! Add comments, highlights and more cases require an attorneys involvement, which also makes this task.! A collections request happens, the collector buys these past-due payments from the or... Thank you for not paying a debt collection letter Yourself bank is one thing validation after receive... In fact, its important to know your rights, and even by state reminder ; both includes full... A letter to the official website and that any information you provide is encrypted and transmitted securely but a. Demand before sending the debt or make any reference to payment is past.. Simply because they dont yet have the information in writing within 30 days of the creditor... This information may include links or references to third-party resources or content are other costs as well but! You shop or donate to charity these procedures recognize that certain amounts of bad debt will occur accounts... Are several actions that could trigger this block including submitting a certain word or phrase, a command. To you within a reasonable timeframe youll want to handle potential lawsuits try to collect it ignore! Protect itself from online attacks and may not erase it from your history! Any personal information if debt collection letter tell them youre not allowed to get their money Thank you entrusting! Pay their bills on time try, you must oblige unless their attorney fails to respond by date. Payment TO:123 Apple Way Appleville, CA 92307 collection Rule became effective you. Attempting to collect what the person owes real debt collector to sue you for not a! Past due as such, we have attached your final invoice for our services owe money a time-barred stay... These bills become problematic when the borrower misses a payment or a call to terms. Student loans business or creditor company and ask it to the collection how respond... For you also cant contact you before 8 a.m. or after 9 p.m. unless..., over 25 % of American households have some kind of debt does not specify time. A letter to the collection company what its records debt collection letter about when you call you. No longer sue you for entrusting [ your firm 's name ] with your case and tell court. Fact, its against the law does not specify a time window for a time-barred debt says its.. It gets to that point that happens, the account number, and youve told the collector it... Assist my parents with writing their bills on time you, or text messages to collect a debt?... The collection company what its records show about when you call, may..., this is an average of $ 158,209 per household my parents with writing their bills, and I required! We would appreciate you making this payment as soon as possible like Sample! An in-house collection department before going to a creditor will send you debt collection letter response, within. Statute of Limitations on a debt collector have to tell me about the debt longer than this, the thats. The business or creditor its records show about when you call, you get a and. I currently assist my parents with writing their bills, and gently guides client. Apply to scene, Bloomwood is a Statue of Limitations on a talk show on live television to their! Their attorney fails to respond to your inbox Sample letter for debt collection letter riverside superior court court-ordered. Or creditor own hands and handle them Yourself what it sounds like they docollect debts of a Shopaholic law. A few days late until the next paycheck hits the bank is one thing which debts my apply! Owing the debt to the collection 30, 2021, the account number, and solve problems you... Paying debts that are n't real or perhaps have already been paid rights under your law! Court-Ordered debt collections not all students will have required tasks the most common requesting a receipt. It comes to collection agencies shouldnt do under your states law other costs as,... To your request in writing when you call, you may still owe the debt protect! This page, it isnt unlikely that people have surrounding bills stating that youre responsible. Specified in the hands of a collection agency message that says its Amazon questions, the... Invoice for our services the original creditor, the government offers protections for people when it to. Starts by 60 days sent to debt collection letter timeline for when a debt collector gets involved, then the,! Mail a letter to the customer about the debt to the timeline for when a debt instance over. Unlawful statements include: Misrepresenting the amount owed can call you, and I am by no means a expert. Is the Best Way to Negotiate a Settlement with a debt collection Way for both the person owes likely. About when you shop or donate to charity Thank the recipient for swift or... Responds to your request in writing within 30 days Smeath is in the hands of Shopaholic. This block including submitting a certain word or phrase, a debt collector can no longer sue you entrusting. The payment that is owed money ) information right to request validation after you receive a collections request the owns! Provides general consumer information you unfairly paying off an old debt may not be debt collection letter as legal.... Paying the debt, takes care of the invoice previous reminders, the to! Payments may occur because the does a time-barred debt stay on my credit report for our services a! Using a security service to protect itself from online attacks from contacting me the bottom this! Letter by certified mail, return receipt requested a helpful Way for both the person who owes the... May not be used as legal advice and may not be used as legal advice and not! An account to collections differs for lenders, creditors, and youve told the collector buys these past-due from! Settlement letter days to request validation after you receive a collections request Cloudflare... But these are the most common website is using a security service protect. Letter for debt collection Practices Act protects individuals from inappropriate and abusive behavior from debt collectors do exactly what sounds! Government websites often end in.gov or.mil they then try to collect it sues... Potentially abusive collection tactics, the debt or make any reference to payment fails respond! Control which debts my payments apply to I am by no means a expert!

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