Debt Collector Calls
Beware of unfair practices and scam artists offering to "help" with credit counseling and debt management.
People who are late making payments on a loan, a credit card or other bills may eventually be contacted by a "debt collector," a third-party hired by the original lender. Dealing with a debt collector can be stressful. But be aware that if you are overdue on a bill and get contacted by a debt collector, the federal Fair Debt Collection Practices Act requires that you be treated fairly and without harassment.
Managing Your Money in Good Times and Bad