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How to deal with Credit Card Debt. Collection agency will be after you. Action: 1. Read Fair Debt Collection Practices Act. Know your rights. Do not blow 30 day window to dispute the debt (validate it). Download letter sample at www.awakeningblog.com If they call you tell them that you understand that they want to collect debt, so please send me letter so I know who is trying to collect it. Good luck. Please share results if any. Make sure you understand to whom FDCPA applies. It is not a …