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If You Don't Owe a Debt Don't Ignore It
05/15/24
Say you receive a bill for a debt you don't owe: You already made the payment, or you never received the goods or services in question. While you may not owe the debt, you shouldn't ignore it. By law you have thirty days to dispute a debt in writing or a debt collector can assume that the debt is valid. To maintain your rights under the Fair Debt Collections Practices Act, always respond in writing to any debt that you dispute. Doing so keeps the creditor or debt collector from reporting the debt to credit bureaus – at least for some period of time – and also protects your legal rights.
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This article contains general information only. Sunflower Bank, N.A. is not, by means of this article, rendering accounting, financial, investment, legal, tax, or other professional advice or services. It is not meant as a substitute for such professional advice or services. Before making any decisions related to these matters, you should consult a qualified professional advisor. Investment and insurance products are not FDIC-insured, are not a deposit or other obligation of, or guaranteed by the bank or an affiliate of the bank, are not insured by any federal government agency and are subject to investment risks, including possible loss of the principal amount invested.