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How can a simple letter make a difference? The law says you have to ask for your rights. Sending a letter lets you do that. You have the right to dispute any part of the debt claim. You have the right to be free from harassment and manipulation. We are building tools to help you understand your next steps if the debt collector answers your letter and if they do not.

What can you do now?

The Consumer Financial Protection Bureau (CFPB) is a federal government agency that has a lot of good information and sample letters you can use to write to debt collectors and to credit reporting companies on your own.