Debt Collection Rights Missouri

Summary

Debt collectors in Missouri cannot harass or deceive you and must send a validation notice within 5 days of first contact. You can request to stop communication. If your rights are violated, consider seeking legal assistance. Nonprofit organizations may offer free or low-cost legal aid.

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I took a loan in */* that was refinanced in */*. During the pandemic it was sent to a collection agency. I didnt know about it until a few months ago. The interest an fees are now $*. Im on Social Security. Is there anything i can do? The agency refuses to work with me
I'm sorry to hear about your situation, ****. May I know which state you are living in? Laws regarding debt collection can vary from state to state.
Which what?
Apologies for the confusion, ****. I meant to ask, in which U.S. state are you currently residing? This information will help me provide more accurate legal information regarding your issue.
Missouri
I see you're from Missouri. Here are some points on state laws regarding debt collection:
- Debt collectors cannot harass or deceive you.
- They must send a "validation notice" within 5 days of first contact.
- You can request to stop communication.
If you believe your rights have been violated, you might consider seeking legal assistance.
Is this all the information?
Yes, this covers the basic information on debt collection laws in Missouri. For more specific advice, you may want to consult with a local attorney. It's also worth noting that there are nonprofit organizations that offer free or low-cost legal aid to those in need.