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If you have unmanageable credit card debt, expect calls from debt collectors who may threaten lawsuits. It's essential to deny the debt and dispute it, as this is a legal strategy that can compel them to prove the debt's validity. This denies their claims and showcases their lack of documentation. While debt collectors may use intimidating tactics over the phone, remember that their calls often reveal their own weaknesses. You're not reflecting poorly on your character by disputing the debt; instead, you're taking a stand against potentially unverified claims. For more insights, refer to the author's blog, which includes citations from reputable sources on the challenges of documenting credit card debt in court.
