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A collector might be an individual, an attorney or a company, who ordinarily receives a payment from your creditor for collecting on your overdue payments.A third party collector collects debts owed to someone else — your creditor. Collectors may contact you in person, by telephone, fax, mail, email or text. A collector may not contact anyone else you’re connected to in order to discuss the debt, unless you have an attorney and then the collector should be dealing with them.Other companies may buy past-due debts and try to collect on them; they’re also referred to as debt collection companies or debt buyers.The Fair Debt Collection Practices Act was passed by Congress in 1977 to protect consumers by making some debt collection activities illegal.The Federal Trade Commission works for consumers to prevent fraudulent, deceptive and abusive business practices.

A collector may report the debt to a Consumer Reporting Agency, or send you notice of the debt the same time it sends you a summons to appear in court.Fair Debt Collection Practices Act, passed by Congress to protect consumers like you, a debt collection is a person or company that regularly collects debts owed to others, typically when those debts are past due.As the Consumer Financial Protection Bureau points out, debt collectors include collection agencies or lawyers who do this as part of their business.The collector is not legally allowed to contact you again after that, unless your attorney gives the collector permission to contact you.If you think you don’t owe the creditor money, you must send the collector a letter stating that you believe you do not owe the money to the creditor.

You have the right to sue a collector in either a federal or state court within one year of the date the law was violated.

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