If a lender tells you a loan is paid off or forgiven, demand written proof, ideally the original, signed loan document marked "paid in full." Verbal assurances are worth the paper they're printed on.
If a debt collector tells you they own a debt you owe, demand written proof. If they can't prove they own it, it's illegal for them to collect in it (in the US at least). When in doubt consult a lawyer. #PersonalFinance
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