What can I do if a debt collector is trying to collect a debt that isn’t mine?

If a debt collector is trying to collect a debt that isn’t yours, it is important to act immediately. California has laws in place to protect consumers from unfair debt collection practices. Under the California Fair Debt Collection Practices Act, a debt collector cannot try to collect a debt from someone who is not responsible for it. If you are contacted by a debt collector for a debt that is not yours, you have the right to request the debt collector provide you with written proof of the debt. This could include an original contract or agreement that shows you are responsible for the debt. You should also send a letter to the debt collector to dispute the debt. This letter should include a statement that the debt is not yours and request the debt collector stop trying to collect. Make sure you keep a copy of this letter for your records. If the debt collector continues to try to collect the debt, you should contact the California Department of Consumer Affairs. They will investigate the situation and take action if the debt collector is violating the law. Finally, you may want to contact an attorney if you feel the debt collector is not following the law. An attorney can help you understand your rights and explain how best to protect them.

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What can I do if a debt collector is trying to collect a debt that isn’t mine?

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