Debt Collection Answers Intro

This Debt Collection Answers Intro offers a free sneak peak at our consumer guide to help you learn how to deal with debt collectors.

What’s in This Book

Debt Collection Answers: How to Use Debt Collection Laws to Protect Your Rights is packed full of useful, easy-to-understand information that educates you about your debt collection rights and tells you what to do when you are contacted by a debt collector. Among other things, it:

• Tells you what debt collectors can and cannot do to collect money from you.
• Explains how debt collectors get paid.
• Outlines your options for responding to a debt collector’s demands.
• Explains the importance of good record keeping when you are dealing with a debt collector.
• Tells you when you need the help of a consumer law attorney.
• Highlights your options when a debt collector violates your legal rights.

This book also offers helpful tips and warnings, sample letters to write and forms to use, as well as information about other resources that may be of help when you have too much debt and/or are having problems with a debt collector.

We recommend that you read the entire book, even if you think parts of it don’t apply to you. You may find out about important legal rights you didn’t know you have.

You will learn a lot about the laws that relate to debt collection in this book. If you think that a debt collector has violated your legal rights, call a consumer law attorney right away. The attorney will warn you against saying or doing anything that could create additional problems for you with the debt collector or that could weaken your case against the collector should you sue him. The attorney may also tell you about actions you can take now in case you later decide to pursue a lawsuit against the debt collector. Furthermore, knowing that you have an attorney on your side can help reduce the amount of anxiety and stress you may be feeling as a result of being contacted by the debt collector.

Tip:You can talk with a consumer law office in your area at no cost by calling the Collection Complaint Hotline at 1-888-711-5143. This service is free and confidential. There is no fee unless you win your case against the collection agency.

Warning: Keep in mind that you may only have one year to sue a debt collector who breaks the law. While a year may seem like a long time, it can go by very quickly. So don’t procrastinate if you think you need to call an attorney!

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Do you have a question about how debt collection laws can help you protect your rights? Ask it here!

Read the first chapter of our e-book, Debt Collection Answers, here for free!