Understanding Ohio Debt Collection

Summary

In Ohio, debt collectors must adhere to the Fair Debt Collection Practices Act. They are prohibited from harassing, oppressing, or abusing debtors. They are required to send a written notice within five days after first contact. If a debtor does not receive this notice, it may be a violation of the Act. Debtors can request proof of delivery for these notices. If the debt collector cannot provide this, it is considered as not sent. Violations can be reported to the Ohio Attorney Generals Office.

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Debt collection
What state are you in, ****? Different states have different laws regarding debt collection.
Ohio
In Ohio, debt collectors must follow the Fair Debt Collection Practices Act. They cannot harass, oppress, or abuse you. What specific issue are you facing with the debt collection?
A company is saying that I got a payday loan in * and saying I did not pay it back
Did you receive any written notice about this debt? In Ohio, debt collectors are required to send a written notice within five days after first contacting you.
No
If you didn't receive a written notice, it might be a violation of the Fair Debt Collection Practices Act. You can report this to the Ohio Attorney General's Office.
What if they say they sent letters but i never received it
You can request proof of delivery. If they can't provide it, it's considered as not sent. You can report this to the Ohio Attorney General's Office. Their contact: (*) *-*.