The phone rings. You dont recognize the number, but you answer anyway. Its a debt collector demanding immediate payment on a debt that doesnt belong to you, or one youve already paid. Suddenly youre facing a phantom a phantom debt, that is.
That debt might not belong to you, but telling that to the collector who is either misinformed or a scammer wont earn you a reprieve.
Last year, 41 percent of the debt-collection complaints received by the Consumer Financial Protection Bureau concerned repeated attempts to collect a debt the consumer didnt owe more than any other type of collection complaint.
Your consumer rights under the Fair Debt Collection Practices Act give you tools to fight bac…
Read the full article at: https://www.seattletimes.com/business/3-steps-that-will-help-you-eliminate-phantom-debt/
