According to the FDCPA, this statement must include the following to be considered valid. The amount of the money owed. The name of the original creditor. A statement that if you don't dispute the debt within thirty days, the debt is assumed valid. A statement that if you dispute the debt within thirty days, the agency will obtain proof of the debt and send it to you. A statement that upon request, the agency will provide the name and address of the original creditor, if it differs from the current creditor. It is very important to make sure you actually owe the money the collector says you do. Though it is illegal, creditors could inflate the amount of money you owe to make a greater profit. You legally have thirty days to dispute the charge and ask for validation of the debt. Once you do so, the collector must cease pursuing you for the money until he produces proof of the original debt. The agency must provide one of the following. Proof that they either own or have been assigned the debt from the original creditor. A copy of a statement from the original creditor. When the agency provides proof that you owe the money, you still have options. Each state has different laws on how long a debt is considered effective. These are mostly, but not universally, less than ten years. When a collection agency comes after you for outdated debt, it is known as zombie debt (Deal with Zombie Debt). Check the date of the proof the agency provided. Then match it against the statute of limitations for debt in your state. If the date of the original debt is older than the statute of limitations, you can no longer be sued for the debt. They can call you, they can contact you, but they can't sue you or threaten you. If the agency has not provided adequate proof of your debt, their claim is not legitimate. Send a certified letter informing them that their actions are in violation of the FDCPA and you will pursue legal action if they keep trying to collect from you.
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One-sentence summary -- Examine the bill the agency sends you. Request validation of your debt. Check the statute of limitations on your debt. Threaten to sue if your debt is not legitimate.

Q: Skinny jeans will allow you to show off the booties while also keeping your legs warm. You can choose a simple top like a neutral-colored T-shirt or sweater, and add 1 piece of jewelry to complete the outfit. For example, pair red velvet booties with blue skinny jeans, a gray top, and a simple gold necklace. You can also throw on a neutral-colored jacket if needed. Try to choose a solid-colored T-shirt to keep the booties as the focal point. Denim skirts will keep your outfit casual while adding a bit of flair. Wear a vintage-style T-shirt with an oversized sweater. Or, throw on a solid-colored button down to wear with the skirt, tucking in only the very front of the shirt. Make sure the denim skirt doesn't go below your knee. Wearing velvet booties with a dress gives you a sophisticated look, and you can make your outfit look more casual by wearing a simple jacket over the dress. Choose a jacket in a jean, leather, corduroy, or similarly laid-back fabric. Wear green velvet booties, a black cotton dress, and a jean jacket. Wear tights under the dress, if needed. If your jeans cover up your shoes when you put them on, roll up the bottom of your jeans 2-3 times. Cuff them so that they bottom of your jeans lies right above the top of your booties, making sure everyone can see them. You can wear a solid-colored sweater or T-shirt with your cuffed jeans and booties. Leggings will provide you with a comfortable outfit while being able to easily show off your shoes. Pair the leggings with an oversized shirt or jacket that covers your bottom. Wear purple velvet booties, black leggings, a long, flowy gray shirt, and a jean jacket. If you'd like to wear patterned leggings, you'll want to opt for black velvet booties and neutral-colored tops.
A: Pair your velvet booties with skinny jeans and a top for a simple look. Wear a denim skirt with your booties in warmer weather. Throw a jacket over a dress for a chic look. Cuff your jeans to show off your booties. Put on leggings and a top for a laid-back look.

Article: There are commercial stretch wraps that are made specifically for wrapping luggage. These rolls of stretch wrap are designed with big handles to make wrapping your luggage easy. Many are also brightly colored, so identifying your bag after your flight is very easy. These products are available from online retailers and at select some big box stores. When wrapping your own luggage, you can also use industrial stretch wrap that is used for wrapping pallets and commercial goods. This cling wrap is stronger than that sold to wrap foods in homes and restaurants and comes in longer rolls. Commercial cling wrap is typically available from packaging supply and moving supply companies, as well as from online retailers. When planning out what to take on your trip, remember to bring your plastic wrap with you if you want to wrap your luggage on your return flight as well. However, the wrap will have to be transported in another piece of luggage, as you can't get it into a piece of luggage after it has been wrapped. Some people are hesitant to wrap their bags in stretch wrap because it wastes a lot of plastic. If you are concerned about the waste but still want to wrap your bag, you can recycle the stretch wrap at a recycling center that deals with that specific type of plastic.
Question: What is a summary of what this article is about?
Use plastic wrap made for wrapping luggage. Purchase large commercial stretch wrap. Bring the wrap with you for your return trip. Recycle the plastic after use.