Do you need to sue a debt collector? Most debt collectors abide by the law when they are trying to collect money from consumers; but there are bad apples out there willing to use illegal tactics to try to get consumers to pay up. And sometimes that means that instead of worrying about a debt […]
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Mary Reed and I wrote the e-book Debt Collection Answers because we really do have a passion for helping people find solutions to their financial challenges. We invite you to ask your questions about debt collectors here. But we do need to add a few important instructions. Finally, thank you for giving us the opportunity to help
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Some links on this site are for services for which we may earn a commission. This helps us keep the information on this site free. Also keep in mind this information is educational, and is not a substitute for legal advice. Debt collection calls to your cell phone can be annoying and sometimes even dangerous.
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A serious illness, an ambulance ride, or even a relatively brief hospital stay are apt to leave you with a pile of medical bills that you cannot afford to pay, even if you have health insurance. And, if you don’t pay them, or don’t pay them quickly enough, the bills are likely to be sent
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How the Federal Trade Commission can help you if you are dealing with debt collectors. The FTC and Debt Collection Laws The Federal Trade Commission (FTC) is the federal government regulatory agency responsible for enforcing a number of consumer protection laws, including the FDCPA. The agency also publishes many helpful fact sheets and brochures on
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The Fair Debt Collection Practices Act is a federal law that gives you valuable rights when it comes to protecting yourself from debt collector harassment and debt collection abuse. Every year, the Federal Trade Commission collects complaints about collection agencies and compiles them into a report to Congress. We have reprinted the entire FDCPA here
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Do not pay debt collectors until you read this! Hearing from a debt collector is stressful and often scary, too. It’s likely that when a collector gets in touch you will have a lot of questions. For example, do you really owe the money; what options do you have for paying the debt; what will
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Note to debt collector not my debt! What happens if a debt collector harasses you over a debt that is not yours? California Court of Appeal Rules Debt Collector Can Be Held Liable to Victim of Mistaken Identity Have you ever been hassled by a debt collector for a debt that you did not owe?
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Theoretically, your unpaid debts can last forever. But fortunately, state laws place limits, known as the “statutes of limitations,” that can effectively help you put old debts behind you. If a creditor or collector tries to sue you to collect a debt that is too old, you can raise the statute of limitations as a
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Phony debt collectors are harassing consumers, and threatening them over debts they don’t even owe in a national scam, warns the Better Business Bureau. The BBB issued a national alert after receiving numerous complaints from consumers across the country about phony debt collectors who tell consumers that they have defaulted on a payday loan and face immediate
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