Can a debt collector contact me if I’m a student?

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Can a debt collector refuse to work with me to create a payment plan?
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Can a debt collector contact me if I’m on military deployment?
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Does the Fair Debt Collection Practices Act apply to all types of debt?
Can a debt collector contact me at any time of day?
Can a debt collector threaten to refer my debt to a collection agency?
Is it possible to negotiate with a debt collector?
What is the Fair Debt Collection Practices Act?
Can a debt collector contact me outside of normal business hours?

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