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You just finished shopping at your favorite store and have a basket full of items that you are excited to take home. At the cash register the clerk asks you the infamous question, “Will this be cash, or credit?” Fumbling your fingers through your wallet, you decide to use your credit card.  Both cash and credit…

When a debt collector contacts you, at some point in the conversation they must advise you that the call is from a debt collector in an attempt to collect a debt. At this point, you should not engage in open conversation. Especially DO NOT admit the debt is yours, regardless if you believe it is…