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2. How to spot debt collection scams: 8 signs to watch out for

   www.aol.com/finance/spot-debt-collection-scams-6...

   This is called “debt validation” and is regulated under the Fair Debt Collection Practices Act (FDCPA). A legitimate debt collector usually provides debt validation through a letter before ...

3. How to tell if debt settlement is a good idea for you - AOL

   www.aol.com/finance/tell-debt-settlement-good...

   If you decide to pursue debt settlement over other alternatives, research your options to identify reputable debt settlement companies with a track record of success and positive client reviews.

4. Is this text a scam? What to do when a debt collection text ...

   www.aol.com/text-scam-debt-collection-text...

   Harris & Harris, Ltd. is a legitimate debt collection service based in Chicago, Illinois. They buy debt from healthcare companies, government agencies, and utilities.

5. Big Three (credit rating agencies) - Wikipedia

   en.wikipedia.org/wiki/Big_Three_(credit_rating...

   In the wake of the financial crisis, the Financial Crisis Inquiry Report [6] called out the "failures" of the Big Three rating agencies as "essential cogs in the wheel of financial destruction". According to the Financial Crisis Inquiry Commission, [7] The three credit rating agencies were key enablers of the financial meltdown.

6. ACA International - Wikipedia

   en.wikipedia.org/wiki/ACA_International

   ACA International is a trade group located in the United States representing debt collection agencies, creditors, debt buyers, collection attorneys, and debt collection industry service providers. ACA International is based in Minneapolis and Washington, D.C. with members located throughout the U.S. and more than 60 other countries. The ...

7. How to settle credit card debt - AOL

   www.aol.com/finance/settle-credit-card-debt...

   Collection agencies may be unwilling to negotiate a settlement, even after months of payments to a debt settlement company. Having accounts in collections can damage your credit score .