Frequently Asked Questions

EthicalDebt is a professional debt collection agency based in Florida. We specialize in recovering outstanding debts while maintaining the highest standards of ethical conduct, compliance with all regulations, and respect for consumer rights.

We received your account information from the original creditor or their authorized representative. This information includes details about the debt, your contact information, and account history. We are legally authorized to contact you regarding this debt.

Yes, we are a fully licensed debt collection agency in the State of Florida. We comply with all federal regulations including the Fair Debt Collection Practices Act (FDCPA) and applicable state laws.

You are being contacted because there is an outstanding debt associated with your name. The original creditor has either assigned or sold this debt to us for collection. We are working to resolve this matter and help you settle the debt.

Absolutely. You have the right to request debt verification under the FDCPA. If you request verification in writing within 30 days of our initial contact, we will provide documentation proving the debt's validity. Collection activities will be paused until verification is provided.

If you don't recognize the debt, please contact us immediately. You have the right to dispute the debt. Provide us with any information that might help identify why you don't recognize it, and we will investigate the matter thoroughly.

We offer multiple payment options including online payments, phone payments, check by mail, and automated payment plans. We also work with you to establish payment arrangements that fit your budget.

Yes, we understand that paying the full amount immediately may not be possible. We offer flexible payment plan options. Contact us to discuss an arrangement that works for your financial situation.

If the debt has been reported to credit bureaus, we will update the account status when it's paid or settled. The specifics of how this affects your credit report depend on the type of debt and agreement terms.

Ignoring collection attempts doesn't make the debt go away. The debt may continue to accrue interest and fees, negatively impact your credit report, and potentially result in legal action. We encourage you to contact us to discuss your options.

Legal action is typically a last resort. We prefer to work with you to find a mutually acceptable solution. However, if you refuse to cooperate or ignore all collection attempts, legal action may become necessary to recover the debt.

You should have received a written notice within five days of our initial contact. If you haven't received this or need another copy, please contact us and we'll provide it immediately. You can also request a detailed account statement at any time.