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The FDCPA does not cover debts incurred in running a business.
Within five days after a debt collector first contacts you, the collector must send you a written notice that tells you the name of the creditor, how much you owe, and what action to take if you believe you do not owe the money.
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Credit counseling services provide resources to help solve your money problems.
If you have multiple credit card accounts or loans, debt consolidation can help simplify or lower your payments.
Before you consolidate, talk to a qualified credit counselor.