I won a dispute against a merchant with my credit card and now 3 months later, a debt collector is contacting me. Do I even need to reply to this dispute? I forwarded 20+ papers to the credit card company. Is this legal? What happens if I just ignore the paperwork they are in another state California? Thank you.
You should contact them and send them proof of what happened. They will probably continue to contact you otherwise. If you declared bankruptcy, they could be in violation of the federal law.
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