What happens if I cannot afford to pay a debt collector?

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Are there any defenses to a debt collection lawsuit?
Can I sue a debt collector for harassment?
What type of debt is not subject to collection?
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What can I do if a debt collector is making false statements?
What constitutes harassment under the Fair Debt Collection Practices Act (FDCPA)?
What is a debt collection harassment cease and desist letter?
Is it illegal to collect a debt for which I am not responsible?

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