How can I verify if a debt collector is legitimate?
You can verify a debt collector by checking their credentials, asking for written validation, and researching their company.
What information should I ask for in the written validation?
Request details like the amount owed, the original creditor's name, and proof that they are authorized to collect the debt.
Is there a way to report a debt collector if they are not legitimate?
Yes, you can report them to the Consumer Financial Protection Bureau (CFPB) or your state's attorney general.
What if they refuse to provide the information I ask for?
If they refuse, it's a red flag. You can cease communication and report them to the authorities.
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