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

If you feel that a debt collection agency is trying to collect on a debt that is not yours or is not accurate, there are steps you can take to dispute it. First, you should check to see if the debt is valid. It could be an old debt from a company you are no longer doing business with. Ask the debt collector to provide you with proof of the debt, such as a copy of the bill or contract. If the debt is valid and you simply do not have the money to pay it, ask the debt collector about what other payment arrangements they may offer, such as payment plans or settlement discounts. You can also let them know that you are aware of your rights under North Carolina’s Collection Defense Law. This law prohibits debt collectors from harassing or intimidating you. If the debt collector still refuses to make reasonable repayment arrangements or continues to harass you, you should consider seeking legal help. An attorney can help you understand your rights and fight back against unfair debt collection practices. Finally, you should always keep track of all your conversations with the debt collector and document any offers they have made. This will help you protect your rights when dealing with the debt collector.

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

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