Reader Q&A
Real credit questions, researched answers.
Answers are edited for privacy and based on primary consumer sources. They are general education, not personal legal or financial advice.
What should I do when several charged-off cards are in collections?
Short answer: Do not ignore the accounts, but do not assume every demand is accurate either. Ordinary letters and calls are not automatically illegal. Federal law prohibits harassment, abuse, deception, and unfair collection practices.…
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