To dispute the debt, on the letter from the collections company, i can respond by checking box saying this is not my debt. Should i respond like that? The letter says i have until august 20th. If not, the federal fair debt collection practices act allows a consumer to insist that a creditor provide validation of a debt before continuing attempts to collect it (they're actually supposed. Well explore their operations, potential for consumer abuse, the importance.
If so, it could be portfolio recovery associates, a debt buyer and collector.
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