Many debt collectors use abusive collection practices to annoy and intimidate consumers into paying debts that they allegedly owe. Did you know that the following practices are against the law?

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• Contacting you without sending you a letter within 5 days allowing you to verify the debt within 30 days.

• Using abusive, foul or threats language

• Making false, misleading or deceptive statement to anyone about the alleged debt, including Consumer Reporting Agencies (Equifax, Experian and Transunion)

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Violations of these federal laws can result in penalties and damages payable to the consumer.