What can I do if a debt collector refuses to provide me with proof of a debt?

If a debt collector refuses to provide you with proof of a debt, there are a few steps you can take. Firstly, you can contact the Federal Trade Commission (FTC) and file a complaint. The FTC is the government agency in charge of protecting consumers from unfair and deceptive practices in matters of debt collection. If your complaint is accepted, they can investigate the debt collector’s practices and provide guidance and assistance. You can also contact the California Department of Business Oversight (DBO). The DBO is responsible for regulating debt collection in California, and has the ability to investigate violations of state law. Additionally, you can contact a lawyer who specializes in debt collection law and request assistance. Finally, you can send the debt collector a letter. This letter should explain that they are legally required to provide you with proof of a debt before they can collect on it, and request them to provide the necessary documents. These are some of the steps you can take if a debt collector refuses to provide you with proof of a debt. Be sure to keep all correspondence, as it can be used as evidence for your complaint or legal proceedings.

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What can I do if a debt collector refuses to provide me with proof of a debt?

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