Debt Collectors and Consumer Rights

Your rights as a consumer protect you from aggressive debt collectors and unfair or deceptive practices.

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Debt Collectors and Consumer Rights

All consumers have certain rights, even if they're in debt. Under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and other laws, you can fight unfair or misleading practices by creditors, debt collectors and others.

This page is your hub for learning about your consumer rights.

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How the Fair Debt Collection Practices Act Protects You

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from abusive, misleading, or harassing tactics by debt collectors. This article will explore the basic protections you’re given by the FDCPA and provide you with some helpful tips on how to deal with debt collectors who don’t follow the rules.

How to Deal with Debt Collectors (when you can’t pay)

If you’re receiving calls from debt collectors about unpaid debt, there’s an obvious way to make it go away: Pay off the debt in question. But what if you’re at a point where it’s impossible for you to pay? It might seem like you’re out of options, but don’t despair - there’s a way out of this.

How to Stop Debt Collection Companies?

Do you want to stop debt collection companies? You may need to do more than to request that they stop contacting you.

What is a Consumer Protection Attorney?

A consumer protection attorney may help you protect your rights under one or many consumer protection laws.

What is a Debt Collection Attorney?

If you're having trouble finding a debt collection attorney to help you with a lawsuit, you might want to consider filing for bankruptcy relief. You can file bankruptcy without an attorney to get rid of debts.

Steps to Take if a Debt Collector Sues You?

There are three steps you can take if a debt collector sues you. Or, you can file bankruptcy. A bankruptcy will stop any pending debt collection lawsuits against you.

How to protect yourself from debt collector harassment

You work hard to pay your bills, but unfortunately, you fell behind on your credit card payments and negotiations with creditors failed. Now your credit card debt has been sold to a debt collection agency that harasses you with endless phone calls, at times even threatening you. Is there anything you can do? Is this even legal? How do you get the debt collectors to stop harassing you? Continue reading to learn about the law on unfair collection practices and what your options are to protect yourself.

Are You Getting Calls From Collection Agencies and Worried What Might Happen? Find Out Here!

Calls from debt collectors are stressful and - if you don’t know what to expect they can be downright scary. Learn whether a collection agency can sue you and how to protect your rights, so you’re ready the next time a collection agency calls.

How to Stop Collection Calls (Guide)

If you have debt you’re struggling to manage, you don’t need the added stress of irritating collection calls. Keep reading to learn how you can stop debt collection calls from interrupting your life.

Will I Go to Jail for Not Paying My Debts?

You can't be thrown in jail for not paying your credit cards and it's illegal for collection agencies to threaten you with jail time over the phone. Don’t be intimidated by such threats; be proactive, know your rights under the FDCPA, and research your debt relief options, such as credit counseling and Chapter 7 bankruptcy.

Credit Report Fraud

Millions of people are victims of identity theft and other forms of credit report fraud each year. By carefully monitoring your credit and diligently rooting out credit report fraud, you can better ensure that, even if you’ve become a victim of fraud, your financial future will be protected.