If your debt goes to collection, for the most part the debt collector can employ all of the collection methods available to the original creditor. But some bill collectors and collection agencies can be quite aggressive. It’s important to know what debt collectors and collection agencies can and cannot do, and what to do if a bill collector violates the law. If the original creditor sold your debt to a debt buyer, you might encounter different issues. Learn about debt buyers, some of the abusive tactics they use, and how to protect yourself.
Here s what to do if a bill collector uses abusive tactics.
Learn how to avoid the horror story of debt collection harassment over old zombie debt.
In some states, debt collectors use tactics that might land you in jail if you don t appear for court hearings for debtor s examinations.
Red flags that an alleged debt collection caller is actually a scammer trying to get your money.
Here s what you should, and should not, do when a debt collector calls.
What you need to know about dealing with debt collectors.
After a period of time, creditors lose the right to sue you forunpaid debts.
Learn how debt collection agencies operate.
Debt collectors use a number of methods to find out where you live.
You can request that a collection agency verify the amount and validity of a debt. But you must act quickly.
Under the FDCPA, you can tell a debt collector to stop contacting you, but it s not always a good idea to do this.
Find out how to fight back against unscrupulous debt collection agencies.
You can negotiate with debt collection agencies to remove negative information from your credit report.
Here are some options when negotiating settlement of an unsecured debt with a collection agency.
Ask the creditor to take your debt back from the collector, so you can negotiate with the creditor.