How do I know if a debt collector is legitimate?

In South Dakota, you should exercise caution when dealing with any debt collector, as it is important to know if they are legitimate before providing any of your personal or financial information. Legitimate debt collectors should provide you with proof of their identity and proof of the debt itself. They should also be willing to disclose information on how to dispute the debt or how to request more information regarding the debt. If a debt collector is legitimate, they must follow the Collection Defense Law in South Dakota. This law requires debt collectors to perform all collections activities in a manner that is fair and not abusive or oppressive. In addition, all debt collectors must abide by the Fair Debt Collection Practices Act (FDCPA), which protects consumers from deceptive, unfair, or abusive debt collection practices. It is also important to be aware of any deceptive collection activities. Legitimate debt collectors are prohibited from calling you at unreasonable hours, making false statements about the amount of debt you owe, or threatening to take legal action if you do not pay. It is also illegal for them to contact you at work if you have requested that they do not. If you suspect a debt collector is not following the Collection Defense Law in South Dakota, you can file a complaint with the Federal Trade Commission or the Consumer Financial Protection Bureau. These agencies will investigate the matter and take the necessary action to protect your rights.

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How do I know if a debt collector is legitimate?

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