@creditsavvygil: 🎯 Know Your Rights! If a debt collector sends you just a statement of charges, that's NOT proper debt validation under the Fair Debt Collection Practices Act (FDCPA). 💡 Make sure they provide: 1️⃣ An audit trail of the balances 🧾 2️⃣ The agreement giving them authority to collect 🤝 3️⃣ The master bill of sale 📜 Don't let them cut corners! Protect yourself and demand full validation. 💪 #DebtValidation #FDCPA #ConsumerRights #CreditRepair #KnowYourRights