Have you told collectors to STOP
CALLING but they call anyway...repeatedly? Do they demand more
money than you can afford? Are collection agents discussing your debts and
other personal information with employers, neighbors, even your parents?
If so, this self-help web site is just what you've been looking
Did you know that most debts expire? It's true and,
something as simple as checking your state's statute of limitations to
enforce a debt, can save you a tremendous amount of time, thousands of
dollars in payments and... a great deal of aggravation!
Fair Debt Collection Practices Act
entire FDCPA in an easy-to-navigate format. Learn how much power you actually
have to stop collector harassment!
Use this search feature to quickly
find information related to your specific debt and credit questions.
FAQ for Debt and
Answers to frequently asked questions about debt
collection, creditor practices, garnishment, child support, divorce debt,
judgments and more!
Actions you can and should take after receiving collection
calls from rude, obnoxious and abusive collectors.
How to Deal with Creditors
you're experiencing financial difficulties, these tips and tools will help you
deal with your creditors.
Debt Statute of Limitations (SoL)
Listed by state and type of debt; see if the collection of your debt
has legally expired.
FREE Fair Credit Case Review
Are there mistakes or inaccuracies in your credit report that are costing you thousands of $$ in interest costs or to be denied credit? Click here to learn your Fair Credit Reporting Act rights, correct those mistakes and improve your credit rating and credit score.
Check out FREE sites with in-depth information
about filing bankruptcy plus get a FREE on-line analysis to see if filing
bankruptcy is right for you and which chapter is your best option!
Chapter 7 or
Telephone Consumer Protection Act (TCPA)
Stop unwanted phone calls! Are you receiving autodialed or "robo" calls to your
cell phone? Are you receiving pre-recorded phone solicitations? Click
here to find out a about your rights under the TCPA.
The fair debt collection practices act offers
protection from illegal and unethical debt collection tactics. This self-help
site provides in-depth information about the federal fair debt collection law
law and many state collection laws as well. The purpose of this site is simple;
to help consumers better understand their rights and to help they learn how to
handle illegal and unethical debt collection situations.
Use this free site to educate yourself on debt collection
laws, especially the FDCPA. You'll soon discover that with knowledge
comes power! The power to fight back against unethical and illegal
collection tactics that bill collectors use to intimidate and scare you
Most Asked Questions:
Can debt collectors demand payment or take legal
action during the thirty (30) day period for disputing a debt?
YES! Section 809(b)
permits collectors to demand payment or take legal action
during the thirty-day period for disputing a debt when the consumer has
not notified the collection agency in writing that the debt is
That's why it's so important to dispute invalid debts in
writing the same day you're contacted! Learn more about your rights
here... Most Asked Questions
Stopping Collector Harassment begins with learning
about your rights under the The Fair Debt Collection Practices Act (FDCPA).
Also known as the fair debt act or FDCPA, this federal law was enacted to
protect us from collector abuse...but it only works if we know how to
use it properly!
The FDCPA clearly defines the rules that bill collectors
and even collection attorneys must obey when collecting debts. Many states have
their own laws similar to the FDCPA and some of these laws also define
collection rules for creditors collecting their own debts.
This site is for educational purposes with the goal
of helping you learn and understand your consumer rights so the next time bill
collectors call, you'll know what to do AND what to say to stop their
With over 100 pages on this site, we have tried to provide in-depth answers to many questions. However, if after looking through the site you cannot find the answers you're looking for, or if you believe you are a victim of unfair or illegal debt collection tactics, submit your information to a FREE* Fair Debt Lawyer by:
The debt collector may just be liable to you for statutory damages of up to $1,000, plus any actual damages suffered, plus attorney fees!.
Search Site and
FAQ features are also
especially useful for answering over 100 specific questions.
Find a Debt Help Lawyer in your state or receive a FREE consumer lawyer referral
Guide to Understanding Basic Consumer Rights, learn the laws for Dealing with Unfair and Illegal Debt Collection Tactics, Unfair or Inaccurate Credit Reports, and other consumer issues!
Does your heart stop every time the phone rings? Are you afraid to answer the phone at home and at work? Do you dread opening the mail? Are you being called by debt collectors who use abusive language to bully and intimidate you?
Stop the Harassment Now!
Get your copy today!
"Top 20" Debt and Credit
If you've fallen behind on your bills (especially credit cards) and a debt collector is harassing you, don't panic! You may have several good options available to you by simply learning the truth about the top 20 debt and credit myths. These truths can be powerful tips and tools for dealing with collectors who use illegal and unethical debt collection tactics. Don't let a debt collector talk you into bankruptcy, into high monthly debt repayment plans, or into borrowing against the equity in your home, regain financial control and peace of mind by knowing the truth! Or contact a FREE* fair debt practice consumer lawyer for a FREE case review!
A debt collector MAY NOT (despite what they say):
ALSO, A debt collector MUST (despite what they say):
- Contact a third party about your debt for any purpose other than to locate you.
- Identity the debt collection company name to a 3rd party without being expressly asked.
- Disclose to a third party a debt is allegedly owed.
- Communicate with a single third party more than once.
- Communicate or or attempt to communicate with you at inconvenient times or places.
- Contact you at work after being told not to.
- Communicate with you after receiving a letter from you (a) with a request they cease and desist all contacts or (b) that you refuse to pay the debt.
- Engage in harassing, oppressive or abusive conduct.
- Use or threaten violence or other criminal means, or use obscene or profane language.
- Cause your telephone to ring repeatedly or continuously.
- Use false, deceptive, or misleading representations or methods, including but not limited to (a) falsely representing it is affiliated with the United States or any State; (b) falsely representing the character, amount, or legal status of the debt; (c) falsely representing or implying that nonpayment would result in arrest or imprisonment or the seizure, garnishment, attachment, or sale of property or wages; (d) threatening to take an action against that cannot be legally taken or that was not actually intended to be taken; (e) falsely representing or implying that you committed a crime; or (f) communicating or threatening to communicate false or likely false credit information.
- Use unfair or unconscionable means in an attempt to collect a debt, including but not limited to: (a) trying to collect an amount not expressly authorized by the debt agreement/contract or other applicable law; (b) threatening to or actually depositing a postdated check prior to the date on such check; or (c) taking or threatening to take money or property where there was no present right.
- Continue to contact you after receiving your cease and desist or request for validation letter.
- Force you to pay the debt prior to expiration of your 30 day right to dispute.
- Sue you except in the county you signed the contract, you live or own property that is the subject of the debt.
- Falsely represent themselves as attorneys.
- Provide the notices required by 15 USC § 1692g either in the initial communication with you or in writing within 5 days after.
- Notify you in the initial communication it is "an attempt to collect a debt and any information obtained would be used for that purpose."
- Notify you during each collection contact the communication was from a debt collector
- Disclose the caller’s individual identity in every telephone call to you.
ATTENTION CONSUMERS: Everyday people from all over the United States ask for referrals to a consumer attorney in their state. So, we’ve established a link to a new website where potential clients can search for and connect with FREE* Consumer Attorneys potentially willing to take their case or provide a FREE referral...it's FREE, what are you waiting for?
Search Today - FREE!
Garnishment & Student Loans
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of Mortgage Fraud? Find out here!
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