While creditors and other debt collectors have many options to pursue collections on a debt, there are limitations. Legally, a debt collector is not allowed to collect a debt that cannot be verified or validated. Initially, after a debt collector contacts you, they are required to send you a statement of the total amount owed within five days. This statement must also include instructions on how to dispute the debt. If you dispute the debt in writing within 30 days, the debt collector cannot make any attempts to collect the debt until the debt has been verified or validated, i.e., you have received proof of the debt. See the Debtor Rights section for more details as to your rights. The experienced attorneys at Wilson Law Group can help you determine whether a creditor or collector violated this or any other requirement in their attempts to collect.