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Debt collection: Getting the facts before making a payment

Dealing with the stress of frequent collection calls can be stressful and daunting, and unfortunately for many individuals in Ohio, this is a reality. When speaking with a debt collection agency, some may feel it best to attempt to provide some form of payment. However, simply adhering to requests for repayment might not always be advisable, as some agencies could be seeking money for debts one may no be longer responsible for.

For the average person, understanding the statute of limitations and how it applies to certain debts can be challenging. To add to one's stress, collection agencies could be placing daily phone calls attempting to persuade a person of his or her obligation to make a payment. While there are rules regulating the information that a collector must provide to a person prior to discussing a debt, things might not always go as intended.

Upon contacting a debtor, collectors are required to identify the company they represent. They must also provide a detailed account of the debt and allow a person a time period of 30 days to file a dispute. Gathering the necessary information prior to making a payment could be essential, as it could keep a person from making payments on debts that might have expired.

Upon being contacted by a debt collection agency, those who feel as though they are being harassed or are uncertain if the debt is valid could benefit from speaking with someone with experience in the area. By consulting with a bankruptcy attorney, a person in Ohio could obtain much-needed advice on how best to approach the situation. An attorney can work toward protecting a client's legal rights and provide him or her with guidance on how to safeguard against similar concerns in the future.

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