I would like all debtors to understand that debt collectors are NOT your friends. They are out to get you. They are after your money. They do not care if you are inconvenienced or not. They never play fair, otherwise, they would not have the reputation they have !!.
You might say: "Well I messed up; I owe that money !!". The fact that you owe the money, does not mean they have the RIGHT to collect !!!. You might owe the debt to the ORIGINAL creditor, but do you have to pay a debt collector??!!!!. That is the million Dollar question !!!.
Many debtors never question the RIGHT of a debt collector to COLLECT on a debt, that ,otherwise, was written-off and claimed a loss by the original creditor !!. Rest assured, you CAN question the validity of the RIGHT of a debt collector to COLLECT. You CAN and SHOULD ask for validations. You have a Federal Law on your side; use it !!!.
Debt collectors leverage on the debtor lack of knowledge , and try to hit a home run !!. Very few debt collectors are ethical, usually, those hired by the original creditors, tend to play by the rules . BUT those who PURCHASE charged-off debt for a living , are the ONES you should pay attention to and roll-off your sleeves to fight !!. They are , simply, out to get you. Greed is the name of their game.
Above all, a debtor has the RIGHT to question the validity of a debt collector's claim. Why not use that RIGHT and take full advantage of it ?!!.
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