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Spears Dewitt and Hall Inc

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Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to continue on with any collection efforts until a debt is validated, if you have requested validation.

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.

  • 2 Comments

    1. Jason E. on September 24, 2015 at 9:49 pm

      Spears Dewitt and Hall Inc is collecting on a debt from before 2010. Spears Dewitt and Hall Inc is reporting this to the credit bureaus. Spears Dewitt and Hall Inc is also known as Talbott, Adams and Moore.

    2. Jo Ann Marek on March 2, 2017 at 4:32 pm

      They constantly call and harass me concerning my uncle who passed away in 2012. This is a man that had no credit cards or loans, he still had a rotary phone in his home when he died. I have told these people that he is dead and that he never used credit, didn’t believe in it. They refuse to tell me what debt, company, amount or anything because they need to speak to him first. Well he is dead so that is impossible! They want a copy of his death certificate, well if you can’t tell me who, what, why or how much when I am definitely not sending a legal document to you. They are rude and insulting, once I stated that it was harassment and that it is illegal to continue to call me when I have stated that they can not, they cursed at me.

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.