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  1. Mar 17, 2023 · When dealing with a debt collector, don’t rush to pay or promise to pay. Instead, check the facts, know your rights and understand how to protect them. Here’s what to do.

  2. Understand how the CFPB’s Debt Collection Rule can help you. On November 30, 2021, the Debt Collection Rule became effective. The rule clarifies how debt collectors can communicate with you, including what information they’re required to provide you. Learn more about the new debt collection rule.

  3. Nov 16, 2023 · Nerdy takeaways. Debt collectors can contact you via phone, mail, email or text. You have a right to ask for debt verification and validation letters. The Fair Debt Collection Practices Act...

  4. Mar 22, 2023 · The Fair Debt Collection Practices Act (FDCPA) makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. Here are some answers to frequently asked questions about your rights.

  5. May 14, 2024 · English. Español. A legitimate debt collector can tell you their company name and mailing address, as well as information about the debt they say you owe. The debt collector should provide information about themselves and their collection agency. This can be a helpful way to know more about the debt, as well as tell whether or not it’s a scam.

  6. Aug 2, 2023 · A debt collector is generally a person or company that regularly collects debts owed to others or who has the primary purpose of collecting debts. They’re likely contacting you because they’re trying to reach a person who may owe a specific debt. Debt collectors can include collection agencies or lawyers who collect debts as part of their business.

  7. Article. Fake and Abusive Debt Collectors. Have you ever gotten a call about a debt you don’t recognize? Or had a collector harass, threaten, or lie to you? Whether or not you owe a debt, you have rights when it comes to debt collectors. Here’s what you need to know. How to Spot Fake Debt Collectors. How to Know If a Debt Is Yours.

  8. Apr 17, 2024 · 1. Right to a written notice explaining your debt. The first thing you should do when a debt collector contacts you — before even considering a payment — is to make sure that the debt collector and the debt are legitimate. Keep in mind that a phone call from a debt collector isn’t enough.

  9. Jan 12, 2024 · Key takeaways. Before taking any action, request information about the debt from the collector and verify that it is yours. Get all agreements and settlements in writing to protect yourself...

  10. Debt Collection. Debt collectors generate more fraud reports to the FTC than any other industry. Although many debt collectors are careful to comply with consumer protection laws, others engage in illegal conduct.

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