What type of evidence can I use to challenge a debt collection agency?

If you are challenging a debt collection agency in California, you can use various forms of evidence to support your case. This evidence can include copies of any paperwork from the collection agency that initiated the debt, like original bills or collection notices. It can also include any contracts or agreements signed by you, your bank, or the collection agency itself. You can also use any written correspondence you exchanged with the collection agency, such as emails or letters. You can also use documents that support your claim that the debt has already been paid. Examples of such documents can include proof of payment, bank statements, or written statements from the collection agency itself verifying payment. If you are disputing a debt that you never incurred, you can use evidence that shows you never entered into a contract with the collection agency or the lender. It is also important to note that collection agencies are required to follow the Fair Debt Collection Practices Act (FDCPA). If the agency violates this law in any way, this violation can be presented as evidence. Evidence of such violations can include recordings of any phone conversations, emails, or letters that indicate harassment or threats by the agency. Finally, you can use evidence of a breach of contract as a way to challenge the debt. Examples of this could include proof that the amount of the debt was not what was agreed upon in the contract, or that the collection agency provided incorrect information about the debt.

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What type of evidence can I use to challenge a debt collection agency?

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