A debt collector is a person who collects debts on behalf of a business. This could be a creditor collecting a debt themselves, including 'assignees', or someone on behalf of the creditor, such as an independent collection agency. Assignees are people or businesses who have been sold or ‘assigned’ a debt by the original creditor.
If you owe money, debt collectors generally have a right to seek repayment. However there are laws in place to protect you from being treated unfairly by debt collectors.
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