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What you need to know when a debt collector threatens to sue
What you need to know when a debt collector threatens to sue

Heidi says she took out a payday loan in 2010 and then forgot about it. Now she's getting calls from someone claiming to be a lawyer threatening to take her to court unless she pays $250 right away and makes additional payments every two weeks. Heidi wants to know if she should do this -- particularly in light of the fact that the debt collector refuses to send her proof of her obligation. ASK LAZ: Smart answers to consumer questions Right out of the gate, let's be clear: People with debts have rights. For example, they can't be subjected to threatening or harassing treatment by collectors. More info is available here. Next, everyone should be aware that there's a...