If you’ve received a notice from a debt collector, but have reason to believe you don’t actually owe that debt (or owe a lot less than they say you owe), federal law gives you a brief opportunity to ...

RE: (Name & Account Number) To Whom it May Concern: I've been contacted by your company about a debt you allege I owe. I am exercising my consumer rights and instructing your company not to contact me ...

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