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

If a debt collector refuses to provide you with proof that you owe a debt, there are several steps you can take. First, it is important to understand the laws governing debt collection in North Carolina. According to the North Carolina Consumer Protection Division, debt collectors must provide written verification of debt within five days of the initial contact with you. Second, you should write a “cease and desist” letter to the debt collector. This letter should inform the collector that you demand proof of the debt and inform them that they must stop further communications with you, including attempts to collect on the debt. You should send this letter by certified mail, with a return receipt requested. Third, if the debt collector continues to attempt to collect, contact the North Carolina Consumer Protection Division. The Division will investigate the dispute and advise you how to proceed with the debt collector. Finally, consider speaking with an attorney. An attorney can help you understand your rights and provide advice on how to best handle the situation. By understanding your rights under North Carolina debt collection law and how to protect them, you can minimize the impact of debt collectors refusing to provide proof of a debt.

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

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