Hello kenrhon:
Debt collection is covered by, "The Fair Debt Collection Practices Act". Google it. It will tell you what your rights are. Plus, it will tell you what creditors CAN'T do, and what you can do about it. It's not written in legalese, and it's not long.
But - DON'T explain to these people. They're not your friends and they need no explanation. TELL them what to do, and what you're going to do about it, if they don't! And, then do it.
excon
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