Fair Debt Collection Practices Act - Know Your Rights Against Debt Collectors
The debt collector needs to clearly state what you owe
, and if you inform the collector in writing that you will not pay, they are required to stop trying to collect from you. Once you have informed them that you will not pay the debt, their remedy is to either file a case and collect through court or drop the case entirely.
Fair Debt Collection Practices Act - Know Your Rights Against Debt Collectors