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For most users, sending a demand letter is a good idea.

Sending a demand letter will help you:

- make sure the debt is really yours
- make sure the amount is correct
- make sure the debt buyer is licensed
- make sure the debt buyer properly owns the debt claim
- control when, how, and if the debt buyer can contact you

Sending a demand letter won't help you if:

- everything about the debt claim seems right to you
- you want to understand exactly what a debt buyer is and would like to speak with someone first