How do I challenge a debt collection agency on the phone?

Challenging a debt collection agency on the phone can be intimidating but it is possible to do so effectively. According to California Collection Defense Law, you have certain legal rights when it comes to debt collection. First, you should remember that debt collectors must treat you with respect and cannot threaten or harass you. You can challenge a debt collection agency on the phone by asking questions about the debt they are trying to collect. Ask for the name of the original creditor, the exact amount of the debt, and any other information about the debt. You can also ask for proof of the debt in writing. This is your right according to California Collection Defense Law. You can also verify the debt yourself by contacting the original creditor (the company the debt was owed to). Ask for a copy of the account information and compare it against what the collection agency is telling you. You can also challenge a debt collection agency on the phone by asking if the debt has been sold to another collection agency and if so, who it was sold to. Collection agencies are only legally allowed to pursue debts they own. If the debt was sold, the collection agency must legally stop pursuing the debt. When challenging a debt collection agency on the phone, it is important to be polite and keep cool. Making a scene on the phone will not help your case and may put you in an even worse position. Make sure you know your rights and make sure the collection agency respects them. It is also a good idea to document all conversations with the debt collector as this can be useful in taking legal action against them if necessary.

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How do I challenge a debt collection agency on the phone?

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