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

When challenging a debt collection agency in New York, you can use a variety of types of evidence to support your claim. Some of the most common types of evidence that can be used to challenge a debt collection agency include: 1. Written proofs of payment – you can provide written proof that you have paid the debt in full, or that you have paid on the debt in the past. This can include bank statements, credit card receipts, or any other written evidence that shows payments have been made. 2. Statute of limitations – if the debt is too old, you can use the statute of limitations as evidence that the debt can no longer be collected from you. 3. Promissory notes – if you have a promissory note, you can use it to prove that you have not taken out a loan or made a purchase from the debt collector. 4. Lack of proper documentation - if you believe that the debt collector does not have the proper documentation to support the debt, you can provide evidence that the documentation is not sufficient. This could include proof that the debt collector does not have a signed contract, or the debt collector did not provide you with a full copy of the contract. 5. Re-aging of the debt – if the debt collector has tried to ‘re-age’ the debt by changing the original date or amount due, you can use this as evidence that the debt is invalid. By using these pieces of evidence, you can challenge a debt collection agency and potentially prevent them from collecting the debt from you.

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

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