Can a debt collector contact me about a debt that I’ve already paid?

Yes, a debt collector can contact you about a debt that you have already paid in North Carolina. Debt collection laws are in place to ensure that debt collectors are respectful and lawful in their dealings with consumers while still being able to collect money owed. In North Carolina, a debt collector may only contact you about a debt that has already been paid if they have reason to believe that the debt is not valid. A debt collector is not allowed to contact you or harass you with calls or mailings in order to collect a debt that has already been paid. If you think that a debt collector has contacted you in regards to a debt that you have already paid, you can file a complaint with the North Carolina Consumer Protection Division. The Consumer Division can investigate the debt collector’s practices and take any necessary action against them if they are found to be in violation of the debt collection laws. It is important to remember that you have rights under consumer protection laws, and it is important to know your rights when it comes to debt collection. You should never feel intimidated by a debt collector and should never feel like you are being taken advantage of. Make sure you understand your rights and contact the North Carolina Consumer Protection Division if you believe a debt collector has acted in an illegal manner.

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Can a debt collector contact me about a debt that I’ve already paid?

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