Pardon my nearly complete ignorance here. Before my BK I didn't really always know how to handle collectors or creditors - I'd always been able to pay my bills before the economy imploded on me as it did so many others - so I didn't gather much knowledge about what different terms and strategies mean.
Btw I am post Ch. 7 but have gotten some notices about private student loans that I've asked about recently on one or two other threads. But this IS a collections question. Happily I have not gotten any junk debt collector notices regarding any discharged consumer loans - yet.
Here goes:
How is disputing a collection attempt different from using FDCPA or is it?
or - What would be the diff in disputing debts versus asking collectors to not contact me?
Now, if I get a consumer loan collector letter for something that was discharged, that would generally be disputed, agreed?
Please straighten me out.
Btw I am post Ch. 7 but have gotten some notices about private student loans that I've asked about recently on one or two other threads. But this IS a collections question. Happily I have not gotten any junk debt collector notices regarding any discharged consumer loans - yet.
Here goes:
How is disputing a collection attempt different from using FDCPA or is it?
or - What would be the diff in disputing debts versus asking collectors to not contact me?
Now, if I get a consumer loan collector letter for something that was discharged, that would generally be disputed, agreed?
Please straighten me out.