What are the debt collection laws of NJ?

V

Vikki

New member
I know that in FL one of the laws is that they have to give written notification.
I ask because I have a school debt that is now supposedly over $800 (this is from the school itself, not sallie mae). The thing is that the first time they contacted me was through phone telling me to send payment to an address that wasn't the school. The collection agency they sent me to seemed legit, but after numerous requests, there was still NEVER any written or visible proof of what this amount of money that I owed was for (no notification, bill, or anything). I'm not trying to dodge something if I need to pay it, but I don't want to be jipped from my money with any scam either. Thanks for any opinions! (Real answers with sources please, nothing that is unsubstantial like I see in some other answers.)
 
Advise any debt collection company that contacts you by phone that you wish to see written proof of the debt. The Fair Debt Collection Practice Act requires that any debt collector provide written notice within five days of the first contact detailing why he is calling, the name of the creditor and the amount of the debt. 2.If the creditor's letter is not specific or does not provide enough information for you to familiarize yourself with the debt, send written notice within 30 days of receiving the debt requesting proof of the debt. 3.Write a polite, detailed letter outlining you wishes to dispute the debt. Ask that the collector explain the nature of the debt, how the debt was calculated, who the original creditor was, including their address. Request copies of any contracts or documents showing your agreement to pay the debt. 4.Request that the debt collector contact any credit agencies to which he is reporting the debt to alert them that you are disputing the debt. Further, request that a letter of your dispute be sent to the original creditor. 5.Include a statement within the dispute letter stating that you wish no further communication be sent to you regarding the debt. 6.Submit the dispute letter by certified mail or deliver in person within 30 days of receiving the initial collection notice.
 
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