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I am getting collection calls. What can I do?

You should first determine whether you really are late on your payments. 

Check your bank account information to make sure your payments were withdrawn. You should also make sure that your payment was either mailed or sent electronically to the right place by contacting your lender or servicer directly.

If you aren’t late or you disagree with the amount the debt collector says is due, you can dispute the collection claim. Even if you are late, remember that you have rights when dealing with debt collectors, and it is against the law for a collector to harass you or make false statements to you.

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