Bill collectors tool kit

Debt collection Debt collection issues can be challenging. Learn more about the new debt collection rule. Get started Basics. Why a debt collector is contacting you A debt collector may be trying to contact you because a creditor believes you are past due on the payments you owe on a debt.

Read more Learn what could happen if you avoid a debt collector Ignoring or avoiding a debt collector is unlikely to make the debt collector stop contacting you. Read more Explore basics. Key terms. Understand your situation Common issues. You do not owe the debt or want proof of the debt The debt collector is calling you non-stop You are wondering whether to use a credit counselor or a debt settlement company Explore common issues.

Know your rights. When the original creditor sells a debt to a third party — which might go on to resell the debt again, and so on — recordkeeping often falls by the wayside. Many sold debts have errors about the amount owed or even who owes it. Debt collection practices are the largest source of consumer complaints to the Consumer Financial Protection Bureau as a result.

It should include details on the debt, the collection company and how to challenge the debt. Keep good records of communication with the debt collector and any payments previously made.

You may want to use certified mail for the best documentation. This law outlines your rights as a consumer and shields you from predatory collection tactics. For instance:. Communication: You can specify how and when debt collectors can contact you — and that they cease communication altogether.

Debt collectors are prohibited from using profane language or threatening violence. Honesty: Debt collectors cannot mislead you about who they are, how much money you owe or the legal repercussions of not paying your debt — for instance, by threatening arrest.

Challenging the debt: You have a right to dispute the debt. If you challenge the debt within 30 days of first contact, the collector cannot ask for payment until the dispute is settled. After 30 days you can still challenge the debt, but the collector can seek payment while the dispute is being investigated. Your state may offer additional consumer protections. Check with legal aid in your area or your state attorney general's office. Understand your federal and state protections in the debt collection process.

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