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Nachshon Draiman, Debt Collection ? Know Your Rights The phone is ringing off the hook and caller ID identifies the incoming calls as ?unknown caller,? toll-free call,? or ?out of area.? When you finally politely answer the phone you?re confronted by an obnoxious, rude and threatening bill collector.

If you?re having difficulty paying your bills, this scenario is not uncommon. The tactics used by some debt collectors can often make consumers fear the worst, with threats of arrest, wage garn

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