Have you ever received a call from a collection agency or debt collector? While this can be quite alarming at first, it’s important to stay calm. Check Out: You Can Get These 3 Debts Canceled ...

Once you have the debt collector's information, send a debt verification letter via certified mail with return receipt requested. The Consumer Financial Protection Bureau (CFPB) offers templates ...

And, just to show you how cheeky these guys are, we sent them a certified letter, asking for proof of the debt. Now, get this: They signed for the letter and then, without opening it, handed it ...

"The first step is to verify the debt's authenticity by requesting a validation letter from the collection agency, which provides detailed information about the debt," says Brown. "If they cannot ...