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It tells you how much money you owe, the name of the creditor, and what to do if you don’t think you owe the money.This notice might help you figure out if you owe the debt. Reach out to the company the collector says is the original creditor.

For years I've been getting collection notices from various creditors of his, I just got one from one claiming to represent the City of Spokane traffic court, the photo violation is not even close to my Arizona one, and owner's name is not spelled like mine.

I can only conclude debt collectors send notices to any and everyone who might be possibly be the debtor.

I had an email account with a password and the cc company sent me a bill for $36.00.

I had no idea what it was for and they had already cancelled my account. If you’re getting repeated calls from the same number, your phone company may be able to block that number, but first ask whether there’s a fee for this service.

They might help you figure out if the debt is legitimate – and if this collector has the right to collect the debt.

Also, get your free, annual credit report online or at 877-322-8228 and see if the debt shows up there. If you think you don’t owe some – or all – of the debt, or you just don’t recognize it, send the collector a letter disputing it.

If you don’t recognize a debt, here’s what you can do: Find out who you’re dealing with.

Ask for the collector’s name, the company’s name, and its address and phone number. The collector might ask you to confirm personal information.

This FTC article has tips on detecting and dealing with fake debt collectors. And since I've just moved from foreign country, I'm very sure it's my debt. Can I just return to sender as wrong address since name is not matched?

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