![]() ![]() may not try to collect interest, fees, or other charges on top of the amount you owe, unless the original contract says they can or there is a law allowing it.can’t tell you that you’ll be arrested, or claim they’ll take legal action against you if it’s not trueĬollectors can’t treat you unfairly.may not pretend to be an attorney or from the government.cannot tell you that you owe a different amount than what you actually owe.can’t repeatedly use the phone to annoy or harass youĬollectors can’t lie.may not use obscene or profane language.You also can get a collector to stop contacting you, at any time, by sending a letter by mail asking for contact to stop.Ĭollectors can’t harass you. ![]() what to do if you don’t think it’s your debt.how to get the name of the original creditor, and.They either have to do that during the collector’s first phone call with you or in writing within five days after first contacting you. Ī collector has to give you “validation information” about the debt. Some are scammers who are just trying to take your money. Not everyone who calls saying that you owe a debt is a real debt collector. When talking with a debt collector, be careful about sharing your personal or financial information, especially if you’re not already familiar with the collector. That way, you can find out more information about the debt and confirm whether it’s really yours. You may want to talk to the collector at least once, even if you don’t think you owe the debt or can’t repay it immediately. What if my debt has already gone to a debt collector? Tell your creditors what’s going on, and try to work out a new payment plan with lower payments you can manage. Do it before a debt collector gets involved. If you’re behind on your bills, don’t wait to call the creditors you owe money to. ![]() Check out this worksheet for creating and tweaking your budget. You can find information about budgeting and money management online, at your public library, and in bookstores. Your goal is to stop adding to your debt, and also to pay down the debt you already have, if you can. When you’re done, look for things in your budget you might be able to change so you have more money left over each month. ![]()
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