Fair Debt Collection

No matter the reason for your situation (overdue payments, debt collection, foreclosure, etc.), you still have rights. You are protected under the law by the Fair Debt Collection Practices Act. This act seeks to protect you from unlawful debt collection practices. Debt collectors are not limited to employees at phone banks; there are also debt collection attorneys. This site can give you help with debt collection attorneys.

Now that you know there are laws that protect you, even if you’re behind on your bills and payments, you may wonder what they are. For one, they are only allowed to contact you by phone between the hours of 8am and 9pm, unless you give them explicit permission to contact you outside of those hours of operation. You can also stop collection calls at work by informing them that your employer does not approve of such phone calls.

You can write a letter to the debt collector/debt collection agency to inform that you no longer wish to be contacted. They are then no longer allowed to contact you unless it is to inform you there will a) be no further contact or b) there will be further action taken. This doesn’t erase the debt you owe but, psychologically it can free up some brain space so you can devote more energy to planning and executing your own debt relief project.

Once you’ve informed yourself fully of the fair debt collection rights that you have, you can spend more time getting free help with my debt articles. I want this site to be helpful to you—please read and explore the site fully and contact us if you want further information. You can do this!