``If you've ever been contacted by a debt collector, you're familiar with the sinking feeling that comes over you when you get that call or letter. They are typically aggressive and meant to play on your feelings guilt. There are some things you can do to make sure you're not railroaded into paying too much or for something you don't even owe.

In all case, don't ignore these communications. Respond immediately. At Justizz we're going to do our best to inform you about some ways to help yourself.

Let's take the amount you owe. In many cases debt, in the form of credit cards that have been sold to collection agencies, is often times inaccurate at best.

In 2012 a former JP Morgan Chase employee, Linda Almonte, revealed that a lot of the debt Chase was selling to collection agencies was either completely fabricated or, at best, inflated. In other words, Chase would sell bogus consumer debt to collection agencies and the collection agency would try to collect on that debt.''

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