Debt & Collections

Dealing with debt collectors can be a stressful and difficult experience. Debt collectors, especially once your debt has been sold from your original creditor to collections agencies, can be tenacious, persistent and downright intrusive. Fortunately, there are laws to protect you from unscrupulous collectors. The Fair Debt Collections Practices Act, for example, places limits on what collectors can and cannot do and prevents them from making threats or calling you at all hours of the day and night. However, even with these laws, dealing with collectors can be burdensome. If you find yourself in this situation, explore all of your options including debt negotiation, debt settlement and even bankruptcy. The information in this section will help you in dealing with debt collectors and help you understand your rights in the debt collection process.