Debt Collection: Know Your Rights.


Angela Reynolds, a 74-year-old widow who lives alone with her little pooch, owes the bank $2,000 when the debt collectors come knocking at her door. What should she do? She turns to Privacy Rights Clearinghouse to learn what her rights are.

Debt Collection Practices: When Hardball Tactics Go Too Far


Fact Sheet 27Debt Collection Practices:
When Hardball Tactics Go Too Far

Dealing with a debt collector can be one of life's most stressful experiences. Harassing calls, threats, and use of obscene language can drive you to the edge. What's worse, a collector may embarrass you by contacting your employer, family or neighbors. You may even be hounded to pay a debt that is not rightfully yours. Sure, collection agencies have a job to do. Even so, there are limits on how far a debt collector can go.

This guide explains the federal Fair Debt Collection Practices Act (FDCPA) and other laws that apply to debt collectors. We provide information about how to stop calls from collectors and how to correspond with them about your account or to dispute a collection action. We also explain your right to privacy, and how debt collection efforts may affect your job, your credit report, even information in your medical files.

State Debt Collection Laws and Publications


Fact Sheet 27 AddendumState Debt Collection Laws and Publications

Frequently Asked Questions about Debt Collection


Fact Sheet 27aFrequently Asked Questions about Debt Collection

A debt collector keeps calling for someone I do not know - how can I make them stop calling? Can a debt collector reveal information about my debt to my family, friends or boss? I have bad credit and am considering paying a company to fix it - will this work?

Find answers to these and many more questions in our Frequently Asked Questions about Debt Collections. Find out what to do about debts older than 7 years, what to do if a debt collector violates your rights and how to deal with a debt collector if you are the victim of identity theft. Our guide covers the questions we hear most frequently from consumers dealing with collection agenciesrs.

Complain about a Collection Agency to a Government Agency


Sample letter to a government agency complaining about a collection agency

 

 

Date

Your Name
Mailing Address
City, State, Zip

Stop Contact about Someone Else's Debt


Sample letter to a debt collection agency notifying them to stop collection attempts on someone else's debt.

 

 

Date

Your Name
Mailing Address
Your City, State, Zip

Re: Notice to Cease Contact Regarding Debt for ______________________

Stop Contact by Collection Agency


Sample letter to a collection agency instructing them to cease contact.

 

 

Stop Contact with Employer and Others


Sample letter to a collection agency instructing it not to attempt to contact your employer or others.

 

 

Date

Your Name
Mailing Address
City, State, Zip

Name of Collection Agency
Mailing Address
City, State, Zip

Comments to FTC: Collection of a Deceased Person's Debt


On October 8, 2010, the FTC announced a policy regarding debt collectors’ communications with third parties regarding a decedent’s debt. In this, the FTC expands the numbers of individuals a collector may contact when the debtor is deceased. We urge the Commission to reconsider this policy or at a minimum to offer guidance for individuals who may be contacted by a collector about a deceased consumer’s debt. We further urge the Commission to reconsider its policy regarding no enforcement for deceased debtor contacts.

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