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If a bill collector is calling you, your gut reaction may be to ignore the telephone calls. Seems easier to do things that way right? But if you owe money to a creditor, debt collection agents are permitted to contact credit bureaus and report the debt, file lawsuits against you, and should be taken very seriously. Rather than ignore the phone calls, take them head on with a methodical approach. Your first step is to determine why you are being called. Find out where the debt comes from and exactly how much you owe.

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