A separate company hired by the creditor to collect the debt. Both creditors and third party debt collectors must tell the debtor the name of their company and the name of the individual who is calling. Additionally, third party collectors must, within 5 days of their first phone call, send a letter stating the amount of the debt, the name of the creditor to whom the debt is owed, and a statement that debtor has 30 days to dispute the debt with them, or it is presumed to be valid.
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