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, there are a few steps that you can take. First, it’s important to determine if the debt is incorrect. Look into the details of the debt and ensure that the amount, date, and type of debt are accurate. If you notice any discrepancies, then you should tell the debt collector and provide proof that it isn’t your debt. If the debt collector continues to try to collect the debt, then you are protected under the Fair Debt Collection Practices Act (FDCPA). This act makes it illegal for debt collectors to continue to attempt to collect a debt that isn’t yours. You can also file a complaint with the Attorney General of Pennsylvania or the Federal Trade Commission, and the debt collector will have to stop contacting you. Finally, you can send a letter to the debt collector disputing the debt. This letter should explain why the debt isn’t yours, and you should include copies of any relevant documents. Once the debt collector has received this letter, they will not be able to attempt to collect the debt from you any further. In Pennsylvania, you have the right to dispute any debts that do not belong to you, and debt collectors are required by law to stop trying to collect those debts. It’s important to stay aware of your rights and take steps to protect yourself if a debt collector is attempting to collect an incorrect debt.

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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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