Debt collection - Consumer Financial Protection Bureau
Oct 30, 2025 · Understand how debt collection works, what your rights are, common issues with debt collection, and how to work with debt collectors.
What should I do when a debt collector contacts me?
Aug 2, 2023 · If a debt collector contacts you, use the opportunity to find out about the debt, which will help determine if they’re legitimate and if you really owe it.
How do I find a lawyer to help me with a creditor or collector …
Aug 2, 2023 · Attorneys experienced in consumer law or debt collection can help you understand your state and federal rights. Here’s how to find one.
How do I negotiate a settlement with a debt collector?
Aug 2, 2023 · When negotiating with a debt collector, you should confirm whether you owe the debt, calculate a realistic payment plan, and make a repayment proposal to the debt collector.
Debt collection know your rights - Consumer Financial Protection …
Dec 28, 2022 · Can debt collectors collect a debt that’s several years old? I'm in the military. Can a debt collector have my security clearance revoked if I fall behind on paying my debt? I'm a …
How to respond when a debt collector contacts you in three easy …
Jul 20, 2017 · We have resources to help you respond to debt collectors. 1. First, know your rights There are laws that restrict what debt collection can say or do. The Fair Debt Collection …
What should I do if I’m sued by a debt collector or creditor?
Aug 2, 2023 · Consult an attorney to learn more about your debt collection rights Attorneys can help you understand both your federal and state protections, if you’ve been sued or threatened …
What laws limit what debt collectors can say or do?
Dec 9, 2024 · 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 …
What is a debt collector and why are they contacting me?
Aug 2, 2023 · A debt buyer has bought the debt and is now collecting that debt themselves or by using other debt collectors. If the debt collector is contacting you for payment on a debt, there …
Know your rights and protections when it comes to medical bills …
A medical emergency or treatment could turn into an unexpected financial crisis. Learn your rights, how to protect your credit, and how to steer clear of pitfalls.