What should I do if I’m being harassed by debt collectors?

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How can I repair the damage that has been done to my credit score?
Should I try to negotiate with my creditors on my own or should I hire a credit repair lawyer?
What is the Fair Debt Collection Practices Act?
Are there any credit repair services that don’t cost money?
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How can I get a copy of my credit report for free?
Are there any laws that protect me and my credit history?
What is the difference between a credit report and a credit score?
Are there any restrictions on who can access my credit information?
Are there any resources available to help me understand credit repair law?

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