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So if I had medical debt and the hospital didm’t cash the check even after I called to tell them the check was delivered and they sent it to collections, who would I go to for disputing their incompetence?
CFPB?
Worst comes to worst, a lawyer.
I’ve got some bad news.
https://natlawreview.com/article/disappearing-cfpb-whats-happened-and-whats-next
You seem to have assumed everyone believes the same thing you do :)