Reader’s Question:

A debt collector in Fayette, Kentucky KY called up informing me a debt which I am not sure if it’s mine. What can I do to dispute such claim?

Betty

Fayette, KY

Certainly, you can always dispute such claims in Fayette, Kentucky KY. There is a law that regulates debt collectors which is stated in the Fair Debt Collectors Practices Act (FDCPA). It is your right to dispute debt claims especially if you have doubts with the debts being charged on you.

Remember too that it is also your right to ask or request for a written debt validation notice from the debt collector. The debt collector in Fayette, Kentucky KY must answer your written request for it is their obligation to provide you with a debt validation notice five days from their first communication to you.

The notice must be in writing, stipulating that you have the right to dispute the validity of the dept with in a period of 30 days. Be advised, however, that if you will not dispute in writing within 30 days from the day you’ve received your dept validation notice, the debt collector will assume that the debt is valid and therefore the collector may continue to attempt to collect the debt during the 30 day period until such time the debt collector will received your validation request.

If you have further doubts, check with the governing rules and regulations from the state of Kentucky on this.

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