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Debt Collectors

Debt collectors are hired by creditors to collect debt that is delinquent.  Such delinquent debt can be reported to credit agencies by debt collectors.

  • Must stop contacting you if you send them a letter within 30 days of receiving written notice of a debt
    • State that you do not owe the money and provide copy of documentation supporting along with police report
  • Ask for copy of credit application and signature of accounts they claim belong to you
  • After resolving debt from a debt collector, you must also resolve the debt with the entity where the account originated