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

In order to challenge a debt collection agency on the phone, you must first understand your rights under New York’s collection defense law. This law prohibits debt collectors from using abusive, deceptive, or unfair practices in order to collect debt from consumers. Illegal actions may include threatening violence or harm, calling too early or too late in the day, using false or misleading information, using obscene language, or revealing personal information to third parties. If you believe that a debt collection agency has violated this law, you should contact your local state or consumer protection agency and explain the violation. You will need to provide evidence such as either recordings of the phone calls or a detailed description of the interactions. Once you have reported the violation, you can challenge the debt collection agency on the phone. Start by asking the agency to provide details about the debt they claim you owe. Ask them to provide proof of ownership and documentation that the debt is valid. You should also ask them to stop calling you if they are in violation of the law. It is important to note that even if the debt collection agency has violated the New York collection defense law, that does not make the debt uncollectible. However, having an understanding of your rights can help you negotiate a payment plan or alternative options.

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

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