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Generally, consumer proposal offers of between 20% and 50% of your outstanding debt balances are the norm. A consumer proposal differs from a debt management plan through a credit counsellor in that you can settle debts for less than you owe.

How to Request Debt Verification. To request verification, send a letter to the collection agency stating that you dispute the validity of the debt and that you want documentation verifying the debt. Also, request the name and address of the original creditor.

Debt collectors are legally required to send you a debt validation letter, which outlines what the debt is, how much you owe and to who, as well as when you need to pay the debt. If you're still uncertain about the debt you're being asked to pay, you can request a debt verification letter to get more information.

Don't provide personal or sensitive financial information Never give out or confirm personal or sensitive financial information ? such as your bank account, credit card, or full Social Security number ? unless you know the company or person you are talking with is a real debt collector.

The Silent Generation grew up in the chaos of war and the Great Depres- sion. Fearing the turmoil faced in their youth, they played in-line, remain- ing silent as to not cause trouble. Such behaviors inspired their other name, the ?traditionalists.?

As of 2023, Baby Boomers are between 59 and 77 years old. Baby Boomers are the generational cohort born after World War II, specifically between 1946 to 1964. This name is derived from an unprecedented post-war spike in birth rates.