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If you receive a notice from a debt collector, its important to respond as soon as possibleeven if you do not owe the debtbecause otherwise the collector may continue trying to collect the debt, report negative information to credit reporting companies, and even sue you.
No debt collector shall collect or attempt to collect a consumer debt by means of the following practices: (a) Using obscene or profane language; (b) Placing telephone calls without disclosure of the callers identity, provided that an employee of a licensed collection agency may identify himself by using his
If You Dispute a Debt Simply calling the collector wont cease collection activities. If possible, send your dispute letter by certified mail (with return receipt requested) so you know it was officially received by the collector.
A name error is an easy correction, and not fatal. You need to talk with the manager directly, and dispute the debt with the collection agency immediately. If they continue to pursue it, you may need to hire an attorney to put it to rest. Otherwise this could start to affect your credit, which you dont want to happen.
It is not uncommon today for people to be pursued by debt collectors for money they dont owe. This occurs for several reasons: the original creditor may have made an accounting error, you may be a victim of identity theft, or the creditor may have found the wrong person with a similar name.

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But why do debt collectors call? You typically only receive collection calls when you owe a debt. Collection agencies buy past-due debts from creditors or other businesses and attempt to get you to repay them. When debt collectors call you, its important to respond in ways that will protect your legal rights.
Within five days after a debt collector first contacts you, it must send you a written notice, called a validation notice, that tells you (1) the amount it thinks you owe, (2) the name of the creditor, and (3) how to dispute the debt in writing.
The Debt Collector Hasnt Reported the Debt Yet Some accounts go to pre-collections when theyre only one or two months past due. During this period, you may get calls or letters about the debt even though its not on your credit report yet.

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