Creditors, Debt Collectors, and Debt Buyers: Important Differences

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If you owe money on a debt and receive a collection call, it's important to know the difference between an original creditor, a third-party debt collection agency, and a debt buyer. The motivations of each are quite different, and your rights as a consumer differ depending upon whom you're dealing with. An original creditor is the company with whom you did business in order to incur a debt.

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