Credit & Debt Most Popular Articles

Deep in Debt? Know Your Rights

If you're behind on a bill, such as a credit card, car loan or medical bill, you may find yourself in the crosshairs of a debt collector. Fortunately, the Fair Debt Collection Practices Act protects you from overzealous or nasty tactics. Here's what debt collectors can and can't do.
They can:
  • Contact you in person, by mail, telephone, telegram or fax. 
  • Call you at work if your employer doesn't mind. 
  • Contact others to get your address, phone number and where you work. 
  • Contact you if you haven't instructed them not to. 
  • Tell you what they plan to do ? without threatening, cursing or repeatedly calling you. 
They can't:
  • Contact you at inconvenient times and places unless you agree. 
  • Call you at work if the collector knows your employer disapproves. 
  • Tell anyone other than your attorney that you owe money. 
  • Contact you if you've told them, in writing, to stop ? other than to confirm your request or notify you of their intent to take a specific action. 
If you believe a debt collector has gone too far, contact your state attorney general and the Federal Trade Commission or 877-FTC-HELP (877-382-4357).
For more information about managing your debt, visit's Debt and Credit channel.

Military News App by

Download the new News App for Android on Google Play or for Apple devices on iTunes!

Featured VA Loan Articles