When debt collectors cross the line, our attorneys can help.

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Paytek Solutions


240 Glenis Dr
Murfreesboro, TN 37129-5158

Contact Them:

Phone: (615) 869-0190
Fax: (615) 869-0189

Fact: Pursuant to the Fair Debt Collection Practices Act, a collection agency must send a 30-day validation notice within five days of your initial communication.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. Raquel Chapa on May 20, 2015 at 3:49 pm

      I bought tupperware to support my niece’s honor society and did not realize it was an old bank account. I write like 4 checks a year. I got a call saying I had written a bad check. There was no mention of a fine; the women just told me where to send the check, she did not mention an amount. I sent in a check for $50 since I could not remember the amount and neither could my niece or sister (it was for $47 and change). I went on vacation and came back to a bill for $76, $39 fine for a $47 check. I then got a call saying I wrote a bad check for $26. I told her that was not correct, gave her the information although she insisted I owed the high school $26 several times. She checked with her supervisor and came back and said it was the balance. She then insisted she had called in April (incorrect it was May), told me the amount was $76, and I had agreed to this amount. Incorrect, she never gave me an amount and I never agreed to a $39 fine. She then threatened to call a lawyer and I hung up on her.

    2. Shelly M. on August 24, 2015 at 10:25 pm

      Paytek Solutions has a lawyer sending me collection notices. Paytek Solutions is collecting on a check that allegedly bounced.

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