Or you could offer a very low amount to settle it.
In addition, if you request validation of the debt, the collector must provide proof that the debt is owed by you.
What happens if you ignore a debt collector?
An unpaid account will show up on your report for up to seven years from the date of your last payment, stifling your chances of getting a loan, securing a mortgage and other financial milestones, so think twice before turning your back on outstanding debt.
If the debt collector adds a default date which is later than the original creditor, this is wrong.
How much was my debt sold for?
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If you want to make good on your debt what you have to do is pull all three of your credit reports, and find out who currently owns your debt.
How will I know if my debt has been sold to a debt purchaser?