Consumer Rights

A debt collection agency primarily works by phone to contact consumers. The majority of a collection agency's calls are directed toward the debtor, but in certain situations, collection agency...

Dealing with Collection Agencies has a lot to do with knowing their limitations in contacting you concerning late payments or overdue bills. These three steps will help you to know what to do if...

If you have delinquent account receivables, there is a chance you will need to a collection agency to collect the debt. A collection agency has more experience and capabilities when it comes to...

Occasionally, a consumer's debt may be transferred to collections by mistake. More often than not, however, an account is remitted to a collection agency due to lack of payment. Each credit...

The three major credit bureaus--Equifax, Experian and Trans Union--help bring financial responsibility to bear in the United States. These three agencies report payment histories for most American...

Collection agencies are third-party organizations hired by companies to contact people who owe debts. Whether you have an outstanding debt that you know about but cannot pay or a company falsely...

When you are unemployed, the last thing you need is to feel like a hostage in your own home to the telephone and the dreaded debt collectors and collection agencies. While it is probably best to...

Consumer debt in America in 2008 averaged just over $2.5 trillion, according to The Hoover Institution. Companies contract with collection services to recover debts and outstanding bills that have...

Receiving a letter from a collection agency can be unpleasant, especially if the letter uses threatening or abusive language. Fortunately, you do have recourse if a collector is threatening you....

No matter how many bills you are behind on it is important for you to know that as a debtor you have rights. When collection agencies call or write you do not feel overwhelmed or bullied into any...

Collection agencies have a variety of tactics to coerce consumers into paying a debt that may or may not belong to them. There is a fine line between legitimate collection activity and...

If you are being hounded by collection agencies, or cannot pay your debts and feel like you will be hounded in the future, you can take steps to make finding and harassing you more difficult.

If you are being hounded by debt-collection agents, it is vital to learn what your consumer rights are concerning debt. The Fair Debt Collection Practices Act (FDCPA) of 1977 outlines what is and...

A common question asked about collection agencies is how long they have to collect on a debt. The simple answer is they can try to collect as long as they want to. After that answer, the truth...

Collection agencies are considered third-party debt collectors, and they have a number of procedures when it comes to collecting debts. A number of creditors and lenders assign their delinquent...

When a collection agency contacts a debtor concerning a debt, the debtor has certain rights. A debtor has the right to ask for the name of the collection agency, collector and original creditor. ...

If a debt collector calls or sends you a collection letter, and you know the charges are incorrect, you have legal recourse to stop harassment. By law, a collection agency must provide proof that...

If you have become late in making payments to a creditor, or if a creditor mistakenly believes that you are late, you may receive telephone calls and letters from a collection agency. Florida...

Getting calls from collection agencies is by no means enjoyable, but there are some facts and tips to help you deal with the situation and make the process more bearable. Remember, your debt is...

A lot of financial institutions, in particular collection agencies and in-house collection departments, will ask you to send in a postdated check. This helps the institution receive early...

During difficult financial times, when you're out of work or behind on your bills, it pays to know your legal rights when it comes to consumer debt. Becoming familiar with the regulations set by...

You have federal rights that allow you to get a collection agency to stop calling you. You have a right to privacy. In the current economy people have begun to be forced to prioritize with...

Many people are unaware of their rights under the law when they are notified by a debt collection agency of a past due debt. Often, the debt collector can be quite pushy, demanding and even...

With unpaid credit card debt spiraling out of control in America, many collection agencies have stepped up their workforce. When a consumer is in the unfortunate position of fielding calls and...

Debt is a constant factor in most people's lives. It is manifested via the management of long-term debt, such as a mortgage payment, and short-term debt, such as a credit card bill. When the...

Have you ever gotten a phone call or letter from a collection agency and have no idea what debt they are talking about? Or maybe the debt was incurred so long ago you don’t even remember? Or even...

The government established the Fair Debt Collection Practices Act (FDCPA) in 1978 to help protect consumers from unscrupulous debt collection practices. Many people don't know their rights...

This article is design to help guide you managing past due credit issues that may have occur. It will also help you deal with credit reporting companies and debt collection agencies as well.

There are times when you just wish you could stop creditors from calling you. Sometimes financial struggles happen. We get behind on some bills and then the creditor calls start and it feels...

The first thing you need to know is that collection agencies have NO LEGAL RIGHT to collect from you. I don't care what they say to you, they cannot collect from you if you do this one simple...

This article discusses a method designed to stop harassing phone calls from debt collectors.

If you have have the misfortune of being contacted by a collection agency, there are many things you can do to protect yourself from harassment.

When the bills become overwhelming and end up in collections it's hard to accept. Being in a collection agency is not something that happens because you are bad. It's just a part of life as we...

Debt collectors can be ruthless when it comes to getting the money they are owed. Their phone calls can start early in the morning and continue through nine o’clock at night. They can call your...

If there is a collection account on your credit report, you have every right to dispute its accuracy and demand that the account be updated with the correct information, or that it be removed...

Hopefully you have never dealt with a collection agency. If you have, then you know what a nightmare it is. It seems that some collection agencies will stop at nothing to cajole, harass, threaten...