How do I know if a debt collector is legitimate?

In California, it is important to understand the law when it comes to debt collection. If you receive a call or letter from a debt collector, make sure to confirm that they are legit. Here are some ways to tell if a debt collector is legitimate: First, make sure the debt collector is licensed. In California, debt collectors must be registered with the Department of Business Oversight. A legitimate debt collector will have a license number that can be verified through the Department of Business Oversight’s website. Second, do not pay the debt until you have received a written “validation notice” from the debt collector, which must be sent within five days of the collector’s first contact. The validation notice should include information about the debt, such as who the debt is owed to and the amount. Third, if you think the debt might not be legitimate, ask the debt collector for proof that they have the legal right to collect the debt. This could include a bill, receipt, or contract. Finally, if the debt collector is harassing or threatening you, contact the California Department of Consumer Affairs. This department can help you understand your rights and determine if the debt collector is operating within the law. By following these steps, you can be sure that the debt collector you are dealing with is legitimate.

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How do I know if a debt collector is legitimate?

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