If failure of payment occur from your side then creditor may assign the collection duty to a collection agency or may sell your debt to a collection agency. If creditor sold your debt to a collection agency then you are responsible to pay debt to that collection agency. It is the worst thing which you ever face in your life, collection agency will call you regularly and agents of this collection agency may also follow you for the collection of debt.

Collection agency is not concerned whether the debt is legitimate or not, they are only concerned about collection of that debt. If they won’t get back debt then they can use harsh words or forceful ways to get back money. Fair Debt Collection Practices Act (FDCPA) gives you great amount of protection from collection agencies.

To get rid of this situation you should follow some steps especially if you are sure you do not own this debt which collection agency is forcing you to pay then you must ask them to provide you proofs. This is known as Debt Validation, FDCPA gives rights to consumers that they can ask about the validation of debt. If collection agency fails to validate your debt then you are not responsible to pay debt and can ask collection agency to remove this wrong debt entry from your credit report.

You can also do you credit repair by your own but only if you have complete command over credit industry laws. The more effective and good way is, try to find a reliable credit repair attorney and handle your case to that attorney.

They have professional approach on laws and they know how to force collection agencies for the removal of mistaken entries. By handling your case to credit repair attorney you are not saving your time in fact it will show you some positive results in shorter period of time.

Figure out more information on credit fix and check out credit lawyers.

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