Posted 2/28/01 Donít let debt collectors harass you Using your credit card or taking out a loan creates a debt that you promise to repay. But if you end up dealing with collection agencies, knowing your legal rights can help you cope with this sometimes stressful and expensive experience. Both state and federal laws set tough limits on those who collect debts for others, according to the article ěDealing with Debt Collectorsî from the University of Minnesota Extension Service and Legal Aid of Minneapolis. For example, if you have a dispute with a collection agency over the amount of the debt or whether you have a debt at all, you can require the agency to provide proof of the debt. Just send a written request for the information and the collection agency must stop collection efforts until the debt is verified. For more information, contact the Minnesota Attorney Generalís Office at (800) 657-3787, or (651) 296-3353 in the Twin Cities area. The article on debt collection is available on INFO-U, a free public service of the U of M Extension Service. Phone (612) 624-2200 in the Metro area, or (800) 525-8636 in Greater Minnesota. Follow voice instructions to make your selections. You may also access INFO-U via the Internet at www.extension. umn.edu. ©Post Review