What can I do if a debt collector is misrepresenting themselves?

If a debt collector is misrepresenting themselves in Texas, there are several steps you can take. First, you may be able to dispute the debt with the collection agency. This involves providing proof of the debt being incorrect. You can provide documents such as debt statements, leases, and other evidence that proves the debt is not valid. Second, you have the right to contact the debt collector directly and demand that they cease collection activities. You can also request that the collection agency cease the misrepresentation. This should be done in writing, and you should keep copies of all correspondence. Third, there are laws in Texas that protect you from debt collection activities. This includes the Fair Debt Collection Practices Act, which states that debt collectors cannot use false, deceptive, or misleading representations to collect a debt. Finally, if the debt collector continues to misrepresent themselves, you can contact the Texas attorney general’s office. You should provide as much evidence as possible so that the attorney general’s office can investigate the claim and take action if necessary. You can also contact the Federal Trade Commission for help in filing a complaint about a debt collector.

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What can I do if a debt collector is misrepresenting themselves?

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