{
  "@context": "https://schema.org",
  "@graph": [
    {
      "@type": "Organization",
      "@id": "https://www.mydebtrep.com/#organization",
      "name": "MyDebtRep.com",
      "url": "https://www.mydebtrep.com/",
      "logo": "https://www.mydebtrep.com/assets/logo.svg",
      "description": "Consumer education and document-preparation technology for people who have received a debt collection notice. Not a law firm.",
      "founder": { "@type": "Person", "name": "Gino Meixel", "jobTitle": "Founder" },
      "address": { "@type": "PostalAddress", "addressLocality": "Napa", "addressRegion": "CA", "addressCountry": "US" }
    },
    {
      "@type": "FAQPage",
      "@id": "https://www.mydebtrep.com/#faq",
      "mainEntity": [
        { "@type": "Question", "name": "What is a debt validation letter?", "acceptedAnswer": { "@type": "Answer", "text": "A debt validation letter requests information about the account, amount claimed, creditor, and collector's authority. The appropriate content and timing depend on the circumstances." } },
        { "@type": "Question", "name": "What if the debt has already been paid?", "acceptedAnswer": { "@type": "Answer", "text": "Keep proof of payment and dispute the account with the collector. A paid account should not be collected again." } },
        { "@type": "Question", "name": "Can a collection agency sue me?", "acceptedAnswer": { "@type": "Answer", "text": "A creditor, debt buyer, or collection law firm may file a lawsuit where permitted. Deadlines vary by state and court, so review court papers immediately." } },
        { "@type": "Question", "name": "What happens if I ignore a collection notice?", "acceptedAnswer": { "@type": "Answer", "text": "Collection activity may continue, and some accounts may be referred for litigation. Responding in writing creates a clearer record." } },
        { "@type": "Question", "name": "Can they garnish my wages?", "acceptedAnswer": { "@type": "Answer", "text": "In many situations, wage garnishment requires a lawsuit, judgment, and compliance with state and federal exemption rules." } },
        { "@type": "Question", "name": "Can they levy my bank account?", "acceptedAnswer": { "@type": "Answer", "text": "A bank levy usually follows a judgment and additional legal procedures. Exemptions and procedures vary by jurisdiction." } },
        { "@type": "Question", "name": "Can a collector contact me at work?", "acceptedAnswer": { "@type": "Answer", "text": "Federal law restricts communications at inconvenient places and times. Written notice that workplace calls are prohibited can be important." } },
        { "@type": "Question", "name": "What if the debt is not mine?", "acceptedAnswer": { "@type": "Answer", "text": "Dispute it promptly, request supporting information, and preserve copies of all correspondence and identity-theft documentation where applicable." } },
        { "@type": "Question", "name": "How long can negative information stay on my credit report?", "acceptedAnswer": { "@type": "Answer", "text": "Credit-reporting periods depend on the type of information and applicable law. Review the reporting date, account status, and accuracy." } }
      ]
    }
  ]
}