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Fair Debt Collection
If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." If you fall behind in repaying your creditors, or an error is made on your accounts, you may be contacted by a "debt collector." Federal law regulates the tactics and practices of third-party debt collectors and collection agencies.
You should know that in either situation, the Fair Debt Collection Practices Act requires that debt collectors treat you fairly and prohibits certain methods of debt collection. Of course, the law does not erase any legitimate debt you owe. Enforcement of the Act is the responsibility of the Federal Trade Commission.
The link below to the Federal Trade Commission's (FTC) website answers commonly asked questions about your rights under the Fair Debt Collection Practices Act.
Fair Debt Collection (FTC)
See also the The Fair Debt Collection Practices Act Letter (Atlanta Legal Aid Society)
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