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1. www.consumerfinance.gov › ask-cfpb › how-do-i-tellHow do I tell if a debt collector is legitimate or a scam?

   www.consumerfinance.gov › ask-cfpb › how-do-i-tell

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   May 14, 2024 · Learn more about what debt collectors can legally say or do. If you have an issue with debt collection, you can submit a complaint to the CFPB. A legitimate debt collector can tell you their company name and mailing address, as well as information about the debt they say you owe.

2. consumer.ftc.gov › consumer-alerts › 2020Have you gotten a collection call about a debt you don’t ...

   consumer.ftc.gov › consumer-alerts › 2020

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   Sep 29, 2020 · If you get a collection call about a debt you don't recognize, you can ask who is calling. Then get validation about the debt. If you know you owe a debt, call your creditor to see if it is working with a collector.

3. www.thebalancemoney.com › how-can-i-find-out-whichHow to Find Out Which Debt Collectors You Owe - The Balance

   www.thebalancemoney.com › how-can-i-find-out-which

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   Aug 28, 2024 · Some collection agencies handle only specific types of debt, such as medical debt or past-due cable bills. Searching the phone number of the collection agency can help you figure out whom you owe money to and why.

4. consumer.ftc.gov › consumer-alerts › 2017Phantom debt collectors impersonate law firms | Consumer Advice

   consumer.ftc.gov › consumer-alerts › 2017

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   Aug 29, 2017 · Getting a call from a debt collector can be stressful. But it can be downright frightening when the caller uses lies, profanity and threats to try to get you to pay. In a case announced today, the FTC says a debt collection operation in Charlotte, NC pretended to be lawyers.

5. upsolve.org › learn › debt-collector-scamsHow To Avoid Debt Collector Scams: 8 Red Flags - Upsolve

   upsolve.org › learn › debt-collector-scams

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   Aug 17, 2023 · It can be tough to tell the difference between a legitimate collection agency contacting you to collect on a valid debt and a scammer or fake debt collector trying to shake you down for money. Here are some of the red flags that should put you on alert for scammers.

6. upsolve.org › learn › find-out-which-collectionHow Do I Find Out Which Collection Agency I Owe? - Upsolve

   upsolve.org › learn › find-out-which-collection

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   Apr 19, 2024 · If you have a debt that gets sent to collections, you may be confused about who you owe. To find out which collection agency you owe, you can contact the original creditor or check your credit report. If a collection agency has been in contact with you, ask them to verify the debt.

7. People also ask

   How do I know if I owe a collection agency?

   • There are two main ways you can find out which collection agency you owe: You can cross-reference this information with your own financial records and with any collections calls or correspondence you receive. It’s always a good idea to verify the debt collector and the debt before you make any payment on the debt.

   How Do I Find Out Which Collection Agency I Owe? - Upsolve

   upsolve.org/learn/find-out-which-collection-agency-you-owe/

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   Can credit counseling help a collection agency collect old debt?

   • Credit counseling is a great way to figure out your best debt relief option. This could be debt settlement, a debt management plan, debt consolidation, or bankruptcy. Credit counselors generally help with consumer debts like credit card debt and medical bills. Can Collection Agencies Try To Collect Old Debt? Technically, yes.

   How Do I Find Out Which Collection Agency I Owe? - Upsolve

   upsolve.org/learn/find-out-which-collection-agency-you-owe/

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   How do I contact a debt collector if I owe money?

   • Tell the collector to send you validation notice that says the amount of the debt, the name of the current creditor, and how to get the name of the original creditor. A debt collector has to send you that information within five days of contacting you. If you know you owe a debt, call the business you owe.

   Have you gotten a collection call about a debt you don’t recognize?

   consumer.ftc.gov/consumer-alerts/2020/09/have-you-gotten-collection-call-about-debt-you-dont-recognize

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   How do I know if a debt collection agency is legit?

   • To figure out which collection agency you owe, ask the original creditor and look at your credit reports. Once you verify that the debt collection agency is legit, ask them to verify the debt to make sure it’s legit, too. If the debt isn’t yours, is outside the statute of limitations, or you have other defenses, assert your rights.

   How Do I Find Out Which Collection Agency I Owe? - Upsolve

   upsolve.org/learn/find-out-which-collection-agency-you-owe/

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   Can a collection agency collect old debt?

   • Technically, yes. Collection agencies can try to collect old debt. But that doesn’t necessarily mean you have to pay it. Know your rights under the FDCPA, and if you get contacted about an old debt, proceed with caution.

   How Do I Find Out Which Collection Agency I Owe? - Upsolve

   upsolve.org/learn/find-out-which-collection-agency-you-owe/

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   What if a debt is sent to a collection agency?

   • If you have a legitimate debt that has been sent to a collection agency, the agency must send a formal written notice to your mailing address either before or within five days after the first call. According to the Consumer Financial Protection Bureau (CFPB), the validation letter should include:

   How To Avoid Debt Collector Scams: 8 Red Flags - Upsolve

   upsolve.org/learn/debt-collector-scams/

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8. www.experian.com › blogs › ask-experianWhat Debt Collectors Can and Can’t Do - Experian

   www.experian.com › blogs › ask-experian

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   Nov 27, 2021 · To deal with debts in collections appropriately, you need to understand how debt collection works and what debt collectors can and can't do. Lenders typically try to collect on your debt themselves for several months. If they aren't successful, they may turn the debt over to a collection agency.