If you are being sued or harassed by a collection agency this could be the ammo you need to get rid of them legally once and for all.

By knowing what is required by a collection agency to operate in your state is a wealth of information. You will find out all laws that the collection agency must abide by in order to legally collect the debt from you. Find something they did wrong? Great, go get them!

For instance the first thing you should take notice when reviewing your state’s laws is this:

Does the collection agency have to be licensed in order to collect in your state? (a lot of people get collection letters from out of state collectors who are not legally allowed to even send you a letter!)

If they need to be licensed to collect in your state and are threatening you, they would legally have to hire a collection agency or collection attorney in your state and start all over again as far as collecting the debt. You need to hit them with a Debt Validation Letter especially outlining them to answer if they are legally allowed to collect in your state.

These idiots are hoping that you are stupid and don’t even know that much so that they can continue to threaten you that they are going to Sue or collect if you don’t pay them.

Think about it. Look at the letter did it come from another state than where you live? Are they threatening a law suit? Do you honestly believe they are going to fly to your state to accomplish this threat? No. They are hoping you give in and pay them.

If they do happen to hire an attorney out in your state this attorney must send you a letter just like the collection agency did in regards to trying to collect the debt. That is where the Debt Validation Letter begins again. It is an great weapon against collection agencies.

States that do not require collection licenses

California
Georgia
Iowa
Kansas
Kentucky
Montana
Oklahoma
Pennsylvania
South Carolina

Review all of your state’s laws below by clicking on your state

Alaska
Arizona
Arkansas
Colorado
Connecticut
Florida
Hawaii
Idaho
Illinois
Indiana
Louisiana
Maryland
Massachusetts
Michigan
Minnesota
Nebraska
Nevada
New Mexico
New York
North Carolina
Oregon
Tennessee
Utah
Wyoming
Washington