Imagine a scenario with me. You’re sitting at lunch and your phone rings. You don’t recognize the number immediately, but maybe it’s an old friend calling. So, you answer it. BAM! It’s a debt collector.
You thought you’d paid that debt so you’re unsure why they’re calling. You politely explain the situation to them—that you’ve paid the debt—yet they don’t listen. They just keep harassing you. The conversation gets worse, so bad in fact, that you’re a little afraid. Can they really do this to you? What rights do you have as a consumer?