Learn · 3 min read

Know your rights

Think about it

Do you know what a debt collector is and is not allowed to do?

Myth

If you are behind on payments, you have no say.

Truth

Debt collection follows rules, and there are free, legitimate places to get help.

The idea

Federal rules limit how and when collectors may contact you, and you can ask them in writing to stop contacting you about a debt.

Nonprofit credit counseling and housing counseling are free or low cost, and they do not require you to take out a loan.

Example

One household sent a letter asking a collector to contact them only in writing, and kept a dated copy of it.

One sentence, saved privately to your plan. Optional.

Ask yourself

Where could you check your own options before paying anyone for help?

Try it

One move

Learn our rights about debt collection

Go deeper

General education only, not advice.