HOOK
Got a call from a debt collector? Before you pay, argue, or admit anything, ask one simple question: [phone ringing, caller ID, pause] “Can you send me the debt in writing?” That one request can protect you from making a costly mistake.
KEY POINT 1
First, don’t rush to say “yes, that’s mine.” In the U.S., you have the right to ask for debt validation. [close-up of text message/email request] Ask for the creditor’s name, the amount owed, and proof they have the right to collect it.
KEY POINT 2
Second, keep the call short. You can give your name and mailing address, then say you want all future communication in writing. [person calmly taking notes] Written letters create a record, and they help you spot errors, like the wrong amount or an old debt that may be too old to collect.
KEY POINT 3
Third, know what collectors cannot do. They can’t threaten you, lie about lawsuits, or call at unreasonable hours. [red flags on-screen, clock showing late night] If the collector breaks the rules, save voicemails, screenshots, and call logs.
CTA
If you’re dealing with a collector now, read the letter carefully before you pay anything. [stack of paperwork, highlight marker] Want a simple debt validation request template? Check the link or follow for more practical legal help.
