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Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request official .

: If you are unsure how to fill out the forms, contact a NYC Financial Justice Hotline or a local Civil Court Help Center for guidance. 2. Formally Request Debt Validation best buy debt collector

If you have been served with a lawsuit, you must file a formal with the court by the deadline listed on the papers (often 20–30 days). Under the Fair Debt Collection Practices Act (FDCPA),

: You can often find an Example Answer Form through your local State Attorney General's Office or court website. best buy debt collector