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

Yes, a debt collector in Pennsylvania can contact you about a debt that you have already paid. This is because it is the responsibility of the debt collector to establish that the debt has been paid. However, you can dispute the claim and prove that the debt has been paid. In order to do this, you should provide proof of payment, such as a canceled check or proof of electronic payment. The Fair Debt Collection Practices Act provides protection for consumers against unfair debt collection practices. This law prohibits debt collectors from using abusive language, making false statements, and engaging in other unfair practices. In addition, it also requires debt collectors to stop contacting you if you provide them with proof that the debt has already been paid. Therefore, once you provide evidence that the debt has been paid, the debt collector should stop contacting you and move on. In the event that you receive a collection notice for a debt that is already paid, you should contact the debt collector and provide proof of payment. If the debt collector does not remove the debt from your credit report after you provide proof that you have paid the debt, you may need to take legal action against the debt collector. If you have experienced what you believe to be illegal or abusive debt collection practices, you may be entitled to damages.

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

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