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If a debt collector is contacting you about a debt you know you don’t owe, explaining your case can be an uphill battle. The Better Business Bureau recommends five steps to fight back.
It's become an all-too-familiar headline and lead story - job cuts, dot.com failures, corporate restructuring and lay-offs.
If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." If you fall behind in repaying your creditors, or an error is made on your accounts, you may be contacted by a "debt collector."