Sewell, NJ asked in Collections for New Jersey

Q: Does a debt collector need to provide physical paperwork before you start paying? Or will emails work from them hold up?

Hi, I was recently notified from a debt collecting attorney that I had an outstanding student loan from 5 years ago. I spoke to them on the phone and they sent me an electronic agreement. Every time I ask for a physical copy, there seems to be an issue. Should I wait to begin payment until I receive it? They are saying I need to pay immediately but I feel concerned that I have no physical copy of any agreement.

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1 Lawyer Answer
Stuart Nachbar
Stuart Nachbar
  • Collections Lawyer
  • Livingston, NJ
  • Licensed in New Jersey

A: There is no rule on this. In today's world an electronic copy of the agreement is probably sufficient.

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