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?:citation	<https://en.wikipedia.org/wiki/Debt_buyer?> <https://snopes.com/fact-check/rating/false?> <https://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports?> <https://www.reddit.com/r/personalfinance/comments/5v5gea/some_bad_credit_karma_advice/?> <https://www.snopes.com/computer/facebook/privacy.as?> <https://www.snopes.com/legal/privacy.asp?> <https://www.snopes.com/risque/hookers/cop.asp?>
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?:text	Consumers are not obligated to pay back debt that creditors have written off and sold. (en)
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