Search our library of answers

I'm a servicemember and I'm being contacted by a debt collector about a debt. What are my rights and where can I get help?

Depending on your situation, there are different ways to respond to debt collectors. We have sample letters you can use if you're experiencing common problems. The Fair Debt Collection Practices Act (FDCPA) says debt collectors can't harass, abuse, or ...

What is an unfair, deceptive or abusive practice by a debt collector?

Federal law makes it illegal for debt collectors to use unfair or abusive practices or deceptive statements to collect a debt. The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, unfair, or deceptive practices ...

What is harassment by a debt collector?

Harassment by a debt collector can come in different forms, including repetitious and excessive communications through one or multiple channels intended to annoy or abuse you. Keep good records of all of your communications with a debt collector. ...

What laws limit what debt collectors can say or do?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits what debt collectors can do when attempting to collect certain types of debt. The federal Fair Credit Reporting Act (FCRA) covers how debts are reported in credit ...