If a debt collector contacts you, do not ignore them, but be cautious about providing personal information. Under the Fair Debt Collection Practices Act (FDCPA), they must send you a written notice within five days of their initial communication that includes the amount of the debt, the name of the creditor, and your right to dispute the debt within 30 days. It’s advisable to request debt validation in writing to ensure the debt is legitimate. Keep records of all communication. If you believe the collector is engaging in harassment or making false statements, contact The Kugel Law Firm for assistance.