There are two common arrangements under which creditors work with debt collection companies: contingent payment and debt sale. (natlbankruptcy.com)
In other words, it is not uncommon for debt collection companies to try to pursue consumers for debts that they do not legally owe. (natlbankruptcy.com)
Debt validation uses federal laws to challenge debt collection companies, forcing them to validate your alleged debts. (nomorecreditcards.com)