Debt Collection Rights Ohio

Summary

In Ohio, debt collectors must adhere to the Fair Debt Collection Practices Act, which prohibits harassment and requires written notice within five days of first contact. If you didnt receive a written notice, it might be a violation. You can request proof of delivery from the debt collector. If they cant provide it, you can report the issue to the Ohio Attorney Generals Office at (800) 282-0515.

Full Conversation

Gabrieal gowdy
Nice to meet you, Gabrieal Gowdy. Could you please describe the legal issue you're facing?
Debt collection
What state are you in, Gabrieal? Different states have different laws regarding debt collection.
Ohio
In Ohio, debt collectors must follow the Fair Debt Collection Practices Act. They cannot harass, oppress, or abuse you. What specific issue are you facing with the debt collection?
A company is saying that I got a payday loan in * and saying I did not pay it back
Did you receive any written notice about this debt? In Ohio, debt collectors are required to send a written notice within five days after first contacting you.
No
If you didn't receive a written notice, it might be a violation of the Fair Debt Collection Practices Act. You can report this to the Ohio Attorney General's Office.
What if they say they sent letters but i never received it
You can request proof of delivery. If they can't provide it, it's considered as not sent. You can report this to the Ohio Attorney General's Office. Their contact: (*) *-*.