I had a debt collector call today and threaten to ruin my credit if I didn’t “pay up.” When I returned the threat with a request for proof that I owed the debt he got less aggressive. Sometimes it amazes me that the guys don’t know the regs or the laws about what they can and cannot do!

He requested that I send the request for proof in written form. No problem. I had letters ready to go. All he had to do was give me his name, the company or collection agency name, address and my account number in question. I was surprised that it seemed to be difficult for him to do! I will be surprised if he completes the request.

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