You owe it. You know you owe it. But for some reason or other, you haven’t paid it. Maybe you haven’t had the money—the economy hasn’t been what it was-- or maybe it just slipped your mind or maybe you depended on someone else to pay it and that person, for whatever reason, didn’t. But the fact is that that bill has gone unpaid.
The phone rings. The person on the other end of the line says he is calling to collect on the debt. He is insistent and you are embarrassed about it anyway. But you feel like he is using tactics to collect the debt that are just not fair.
Or a letter comes or a third person is contacted by the debt collector about you. Whatever the contact is, you have rights under federal law. This book explains what those rights are. rights.
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