Debt collectors · Credit reporting · Validation
Disputed bill.Collectors calling anyway.
A bill you dispute doesn’t become valid because it was sold to a collector. Federal law gives you the right to demand validation of a debt, and limits how collectors can treat you. Credit reports have dispute rights too.
Red flags
Signs they’re playing games.
- Collection calls about a bill that’s still under dispute
- A collector who won’t tell you who the original creditor was or how much is really owed
- Calls at work, threats or harassment
- A medical bill showing up on your credit report while insurance is still processing it
What we do
How we fight it.
- 01
Send the right validation and dispute letters, on time
- 02
Hold collectors to the federal Fair Debt Collection Practices Act
- 03
Dispute inaccurate credit reporting with the bureaus and the furnisher
- 04
Push back hard when a collector breaks the rules
Questions
Collections on Disputed Bills, answered.
What does “validate the debt” mean?
You can require a debt collector to provide information about the debt and verify it. Timing matters: there’s a window after the collector’s first notice.
Can a collector call me at work?
Federal law limits collector contact, including at work when they know your employer doesn’t allow it. Write down every call.
Also
Other fights we take.
Insurance Billing Disputes
Your insurer processed it wrong and the bill landed on you. Or, for providers, the payer won’t pay what it owes.
Fight it
Medical & Hospital Bills
Bills full of errors, duplicate charges and prices nobody agreed to.
Fight it
Surprise & Balance Billing
Emergency care, an out-of-network doctor you never chose, a bill you were never warned about.
Fight itFree case review
Tell us about your collections on disputed bills dispute.
A few sentences is enough to start. We’ll review it and contact you.