Receiving a notice or a demand from a debt collector can be jarring. You might wonder who they are, or why they are contacting you. In many circumstances it can be difficult to tell why they are reaching out or even who they might be collecting on behalf of, especially if the debt they are be pursuing is old or traces from a closed account. The good news in this circumstances is twofold. First, that you always have the right to demand that a debt collector verify what debt they are trying to collect on, and second, that in most circumstances, bankruptcy can be a tool to help you deal with their ongoing efforts to collect from you!
