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Junk Debt Buyers: Who They Are and How to Handle Them

A junk debt buyer (JDB) is a company that purchases uncollected debts from original creditors. This may include charged-off debts; debts included in bankruptcy; debts that are past the statute of limitations; and the remainders of settled accounts. The difference between a JDB and a collection agency is that collection agencies attempt to collect debts …

Sample Statute of Limitations Dispute Letter

Here is a sample statute of limitations dispute letter that you might send to a collection agency or junk debt buyer if you are being pursued for a debt that is past the statute of limitations. Please note that you should use the sample letters on this site as guides, rather than simply copying and …

Medical Debts Listed on Your Credit Report

Medical debts listed on your credit report can and should sometimes be handled a bit differently than normal debt listings. Although you can dispute a medical listing the same way you would any other, you have additional rights that you can leverage when it comes to medical debts. Chances are, you’ve heard of the HIPAA …