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I am sorry to hear about this situation. First, you want to make sure that this is real. There have been a host of scammers who have been pretending to be debt collectors or creditors, trying to scare you into paying money to them. See HERE. Sometimes, the creditors find lists of debts and assume the creditor's identity without the creditor even knowing. Other times, they stumble unto someone who actually has debt by coincidence and can pretend to be the creditor.
Assuming they are real, then they have a right to pursue litigation for relief. They can then get:
-the money owed
-any interest if interest is listed in the contract, and if not, then default interest of 7.25% annually, and
-reasonable attorney fees.
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