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Vanquish a phantom debt for good

FILE – This Jan. 28, 2015, file photo, shows the Federal Trade Commission building in Washington. If a debt collector demands immediate payment on a debt that doesn’t belong to you or one you’ve already paid, and they won’t back down or respect your consumer rights, file complaints with authorities who have the power to investigate: the Federal Trade Commission, the Consumer Financial Protection Bureau and your state attorney general’s office. (AP Photo/Alex Brandon, File)

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