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Q.What must a debt collector tell me about my debt?

A.If you are a consumer debtor, The Fair Credit Debt Collection Act (The Act) requires that a debt collector send you a written notice stating: (1) the name and address of the collection agency; (2) the amount of money you owe; (3) the name of the creditor to whom the debt is owed; and (4) what action to take if you believe you do not owe the money. This notice must be sent within 5 days of the date the debt collector contacts you.

In addition, every communication from a debt collector must clearly disclose that: the purpose of the communication is to collect a debt and that any information obtained will be used for that purpose.

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