How do I know if a debt collector is legitimate?

Before engaging with a debt collector, there are steps you should take to ensure they are legitimate. First, ask the debt collector for their license or permit number. New York City requires debt collectors to be licensed or registered with the Department of Consumer Affairs before they can operate legally. If the debt collector has not provided you with a valid license or permit number, then they are not authorized to collect debt in New York City. Second, get some information about the collector. Ask the collector to provide you with written verification of the debt, including the name and address of the original creditor. Legitimate debt collectors are more than happy to provide this information. Finally, it’s important to read the fine print before you agree to pay the debt. Legitimate debt collectors should make it clear how the debt will be paid. They should also specify the payment terms in writing before taking any action to collect the debt. If a debt collector is asking for payment without providing written proof of the debt or payment terms, it is best to avoid engaging with them. By taking these steps, you can ensure that you are dealing with a legitimate debt collector in New York.

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How do I know if a debt collector is legitimate?

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