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Do you actually have to pay a debt collector or collection agency? Most people assume the answer is yes — and that misunderstanding costs them thousands. Debt collectors and collection agencies demand payment every day, but demanding money and proving legal entitlement to collect are two very different things under debt collection law. Original creditors, charged-off accounts, sold debt, third-party collectors, debt buyers, junk debt portfolios, consumer rights, FDCPA protections, credit reporti
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