Debt Collection FAQs: A Guide for Consumers

If you’re behind in paying your bills, or a creditor’s records mistaken­ly make it appear that you are, a debt collector may be contacting you.

The Federal Trade Commission (FTC), the nation’s consumer protec­tion agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

Under the FDCPA, a debt collec­tor is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.

Visit us at our blog often to view various Questions and Answers about Debt Collection that we will be posting over the coming weeks.