s will prevent new credit accounts from being approved in your name without your consent. Then contact the creditor or collections agency and explain the situation.
Debt Collection and Lawsuits
When you begin communicating with a debt collector keep good records, like the date, time, notes of the conversation and anything you believe may be considered illegal harassment. This documentation will help you if you can’t resolve a dispute or end up going to court.
If a collector sues you, don’t ignore them—even if you know it’s a mistake. You must respond personally or through an attorney, by the date on the lawsuit paperwork in order to preserve your rights.
Likewise, if you’ve been harassed by a debt collector, you can sue them in state or federal court within one year. If you win the case, the collector may have to pay you for damages and court costs.
Even if you don’t sue a collector, be sure to report any illegal harassment to the Federal Trade Commission at ftc.gov and to your state Attorney General’s office at naag.org. That’s the best way to put a collector who’s breaking the law in their place.
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