The best way to start dealing with a debt collector is to understand what “debt validation” means. Let’s say you borrowed money from your friend, Mary. Mary would now be known as the original creditor. As time keeps going on, you know you still owe Mary money, you just aren’t sure how much credit repair in austin.

Then out of the blue, a guy named Chad comes up to you and says he is collecting the money you owe Mary. Chad is acting just like a collection agency or debt collector. You’ve never met Chad before (and kind of don’t like him), so why would you just hand over the money he says you owe him? You probably wouldn’t — at least not before first asking Chad some questions.