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

If a debt collector in North Carolina refuses to provide you with proof of a debt, you have options available. First, you can file a complaint with the Federal Trade Commission (FTC). The FTC is responsible for regulating debt collection practices. It is against federal law for debt collectors to falsely claim that you owe a debt or to refuse to prove that a debt is valid. Second, you can file a complaint with the North Carolina Attorney General’s Office. The Attorney General’s Office is responsible for investigating violations of the North Carolina Collection Agency Act. The Attorney General’s Office can determine if the debt collector has violated the law, and take enforcement action if necessary. Third, you can file a lawsuit against the debt collector. The court can review the case and award you damages if your claims are proven true. Lastly, you can contact an attorney who can review the debt collector’s proof of debt and provide guidance on how to proceed. An attorney can also help you dispute the debt or negotiate with the debt collector if necessary. Regardless of what action you take, it is important that you keep records of all relevant documents, conversations, and other events related to the debt collection. This will provide evidence to support your claims in the event that you need to take legal action.

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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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