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What to do when a debt collector calls

A call from a debt collector can be intense; but it doesn't have to be. If you know your rights it might help to ease your nerves. If you want to see if a collection bill is lingering on your credit reports, you can get your free annual credit reports once a year at AnnualCreditReport.com. You can also find some helpful tips for understanding your debt collection rights here. Music by Steve Combs
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