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How can collection agencies legally increase your balance?


secondchances
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"False or misleading statements: Agents may not lie about the debt, their identity, the amount owed, or the consequences for the debtor. They can not send documents that resemble legal filings or court papers. Agents can not offer incentives to disclose information.

Unfair practices: Agents may not engage in unfair or shocking methods to collect, including adding interest or fees to the debt, soliciting post-dated checks by threatening criminal prosecution, calling the debtor collect, or threatening to seize property to which the agency has no right."

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