A Debt Collector Won’t Validate the Debt But Won’t Stop Calling. Here’s What to Do Right Now.
A debt collector who won’t send real proof of the debt but keeps calling anyway may be breaking federal law. Here’s what validation actually requires.
debt collection rights
What Happens If a Debt Collector Ignores My Validation Letter?
If a debt collector ignores your validation letter and keeps collecting, that is an FDCPA violation — potentially one violation per contact. Here is what the law says and exactly what to do next.
New Debt Collection & Consumer Protection Laws for 2026
Multiple new state and federal laws take effect in 2026 that change the rules on medical debt, credit reporting, debt settlement, bankruptcy exemptions, and wage garnishment. Here is a complete state-by-state breakdown of what these laws mean for consumers dealing with debt.
CFPB Slashes Examinations 88%: What It Means for You
The CFPB will conduct fewer than 70 examinations in 2026, down from 600+ annually. All reviews go virtual. Here’s what this 88% reduction in oversight means if you’re dealing with debt collectors, lenders, or credit bureaus.
CFPB ‘Hanging By a Thread’: What It Means for Your Debt
One year into Trump’s second term, the Consumer Financial Protection Bureau is barely functioning. Complaints are up 89% while staff and budget have been slashed. If you’re dealing with debt collectors or financial scams, here’s what you need to know.
