How do I know if a debt collector is legitimate?

Knowing whether a debt collector is legitimate is important to understand the laws that apply to the debt collection process. In North Carolina, there are a few key steps you can take to validate the legitimacy of a debt collector. First, you can check if the collector is licensed in North Carolina through the N.C. Commissioner of Banks. The license will show that the debt collector is registered and that they have met the necessary requirements to do debt collection work. Second, you can look up the collector on the North Carolina Attorney General’s website to see if there are any complaints about them. This can help you better understand what other consumers have experienced with the debt collector. Third, verify the debt that the collector is contacting you about. Make sure that the debt they are trying to collect is from a legitimate creditor. Ask the debt collector to provide you with proof that the debt is valid. Finally, you can check with the Better Business Bureau or Consumer Financial Protection Bureau to see if the debt collector has had any complaints filed against them. By going through these steps, you can make sure that the debt collector is legitimate and is operating legally in North Carolina.

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How do I know if a debt collector is legitimate?

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