Education Center


  • Can a Debt Collector Charge Interest? It Depends.

    Don’t let a debt collector overcharge you with interest and fees that you don’t owe! Having a debt in collections is stressful enough, but when a collector tacks on interest and fees it makes a bad situation worse. But can a debt collector charge interest and fees that weren’t part of the original debt? Unfortunately, […]

  • Can a Debt Collector Contact My Employer?

    Debt collectors have a right to contact your employer, but not to shame you about your debt – it’s only allowed to verify your identity.

  • Can a Debt Collector Come to My House?

    There’s nothing to prevent a collector from showing up on your doorstep, but there are restrictions on what they can do and it’s rare to actually happen.

  • Can I Sue a Debt Collector for Harassment?

    You have a right to fight back for violations of the Fair Debt Collection Practices Act. Learn when you can sue a collector for harassment.

  • Can a Debt Collector have Me Arrested?

    Debtor’s prison might’ve been a concern in the 1800’s, but these days you usually don’t have to worry about going to jail over unpaid debt.

  • Can Debt Collectors Garnish My Wages?

    When you owe money to a debt collector, there’s a chance they can sue you and get a court order for garnishment that could affect your accounts.

  • How Long Can Debt Collectors Chase Me?

    When a collector crosses the line, you have a right to protect yourself by filing a complaint with the FTC or CFPB. Learn what to do to fight back.

  • What is a Debt Buyer?

    Debt buyers are a big part of the collection industry these days, so learn what happens if debt is sold to a buyer and what it means for you.

  • Can Third-Party Debt Collectors be Classified as Creditors?

    Your rights and how you deal with past-due debt are largely determined by the length of the delinquency and whether that debt has passed to a collector.

  • What Counts as Collector Harassment?

    At a certain point collectors cross the line from taking action to collect, to abusing and harassing consumers into paying. Learn where that line is.

  • Debt Collection Statistics

    Fair Debt Collection Practices Act stats of abusive debt collection practices and violations. One out of every ten Americans came out of the 2009 financial crisis with one or more debts in collections according to the Consumer Financial Protection Bureau (CFPB). Still, as 30 million Americans — struggle to pay down their debt; they’re being […]

  • Top Collection Questions

    Find the answers you need if you’re facing harassing debt collectors. Debt collection isn’t one of those things you learn about in school. It’s probably not a topic your parents covered when you were a kid, because they didn’t want to think you’d end up struggling. But delinquent debt happens, and whether you’re in trouble […]

  • Can Debt Collectors Call My Friends and Neighbors?

    How far can a collector go when it comes to hunting you down for past-due debt. When you have a past-due debt, there’s nothing illegal about dodging a collector. You can screen phone calls, hide and take steps to avoid speaking with the collector. Of course, the collector has a right to take steps to […]

  • Can a Debt Collector Harass Me at Work?

    Learn when and why a debt collector can contact you at your job or even contact your employer if they’re trying to verify your identity.

  • How Debt Collection Works

    We investigate the debt collection process so you can have an idea of what to expect if one or more of your debts gets sent to a collector.

  • Making Debt Collection Complaints

    When a collector crosses the line, you have a right to protect yourself by filing a complaint with the FTC or CFPB. Learn what to do to fight back.

  • Fair Debt Collection Practices Act (FDCPA)

    We break down the Fair Debt Collection Practices Act (FDCPA) point by point so you can protect your rights against abusive collection methods.

  • Collector Harassment

    The Fair Debt Collection Practices Act is the consumer law that protects you against unfair, unethical and harassing treatment by debt collectors. This law exists to ensure that anyone with a debt in collections is treated respectfully, professionally and truthfully by any collection agency that contacts them. Unfortunately, not every collection agency operates ethically according […]