Jenn asked:


I’ve been struggling with false accusations that I owe PayPal money, when I do not. I’ve read over my rights and laws concerning debt collections and I need to write them a letter stating that I do not owe them money and to stop calling me. All I have is their phone number and if at all possible, I’d like to get the address without calling them to ask for it, lol.

Sally

switchsox asked:


I just got a letter from a debt collection agency, giving me a certain amount of time to pay a bill. Will this negatively affect my credit score?

Chad

mindthetwine asked:


I received a letter from a debt collection agency this past December. Because I did not recognize the debt, I disputed the item and asked for detail on what the debt was for (in December). I never received a response and followed-up in February, to which I also received no response. About three weeks ago, I sent a certified letter requesting the same information and have yet to hear from the agency. Then, I noticed on my credit report last week that they have reported this debt. Can they do this? Do I have any remedies under the law?

Phillip

STARS asked:


And also do they have the same rights as far as
a debt collector trying to get debt vs a debt purchaser???

Ricky