Debt Collection Scam Warning

Summary

Debt collectors in New Mexico must provide written notice within five days of initial contact. You have the right to dispute the debt within 30 days. An email can count as written notice if it includes all required information and you consented to electronic communication. If you suspect a scam, report it to the New Mexico Attorney Generals Office, the Federal Trade Commission, and the Consumer Financial Protection Bureau. Seek advice from a consumer rights attorney if needed.

Full Conversation

Chris
Nice to meet you, Chris. How can I be of assistance today with your legal matter?
I received a call from a debt collector asking for immediate payment on a debt I didn't receive notice on
Hi Chris, it's essential to know your location to provide accurate information. Can you please share that with me? Also, have you asked for a debt validation letter from the debt collector?
Albuquerque New Mexico
Hello Chris, in New Mexico:
- Debt collectors must provide a written notice within five days of initial contact.
- You have the right to dispute the debt within 30 days of receiving that notice.
- The debt collector cannot ask for payment during this period.
Does email count as written notice?
Yes, in New Mexico, an email can count as written notice if it includes all the required information about the debt and your rights. However, it should be verifiable and you should have consented to receive electronic communications.
I can't find any information on the company the debt is stated for
You can request more information from the debt collector, including the name and address of the original creditor. Also, you can file a complaint with the New Mexico Attorney General's Office or the Federal Trade Commission if you suspect fraudulent activity.
When researching the company - there's a lot of reviews stating it's a scam
If you suspect the company is a scam, you can report to:
- New Mexico Attorney General's Office
- Federal Trade Commission
- Consumer Financial Protection Bureau
Also consider contacting a local attorney for further guidance.
The email they sent just has the business name but not an address
Have you tried reaching out to the company for further details, like their address or contact info? If you received any calls, you could ask for this information directly.
I can't find any number for the company that the debt is for
If you're unable to reach the company, report this to the New Mexico Attorney General's Office. They can help investigate and provide further guidance. Also, consider seeking advice from a consumer rights attorney.