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Federal law says that after receiving written notice of a debt, consumers have a 30-day window to respond with a debt dispute letter. The 2021 Consumer Finance Protection Bureau Debt Collection Rule has made this easier for you, by requiring all debt collectors to provide a tear-off form that you can use to dispute the debt, rather than writing a letter. That form will be part of a validation notice debt collectors are required to send you that also includes: Debt collector’s name and mail addre
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