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Many people fall victims to the constant pressure that is put on them by debt collectors. Many will force you to pay more than you owe and will use various tactics to get their message across to you. These debt collectors often will not be very easy to deal with most of the time.
Debt collectors are in the business to do whatever they can to get the money that is outstanding. The majority will get a certain percentage of a portion they get from you. These people are aware that many consumers do not fully understand all the rules and regulations about their rights.
You as a consumer have certain rights when it comes to debt collectors. You can request a statement that is in writing that should indicate the exact debt that they are trying to collect from you. Some of these debts may be in error and not be yours. It is then critical to contact the debt collector within the first month to discuss this matter. You can also compose a letter to the debt collector to request that they no longer pursue about a certain debt.
Some other things you should be aware of is they need to only call during certain hours unless you state otherwise. A debt collector is not allowed to call you at work. Also they are not allowed to use any kind of profane language or keep calling you on a constant basis. You should read up on your local and state laws to better inform yourself.
