Education Center

Debt Collection

Don’t let debt collectors violate your rights by taking collection actions too far. Fight back!

Having past-due bills is stressful enough, but when collectors cross the line it just makes a bad situation worse! The Fair Debt Collection Practices Act (FDCPA) regulates how and when collectors can contact you. Get educated about your rights under the FDCPA, so you can recognize when a debt collector cross the line.

These articles can help you understand when a debt collector crosses the line into behavior that’s considered abusive or harassing. If someone crosses the line during debt collections, you have the right to fight back! Here’s what you need to know about debt collections to protect your rights.

Debt Collection Resources

  • 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 […]

  • 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.

  • FTC Complaints for Debt Collection

    Know how you’re protected against illegal collection practices for you can file complaints correctly. The FDCPA is a great piece of legislation for consumers, because it protects your rights against abusive collections practices. However, the law is also huge and really complex. To make it easier for consumers to know their rights, the Federal Trade […]

  • 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.

  • 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 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 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 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 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.

  • 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 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 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.

  • 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.

  • 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.

  • 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.

  • 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.