The federal Fair Debt Collection Practices Act (you can read the whole FDCPA - Fair Debt Collection Practices Act for yourself in
PDF) places many limits on what collection agencies can and cannot do in the
process of collecting debts. These restrictions do not apply to the original
creditor where you created the debt, but some states extend similar limits to
You can use these limits to stop debt collectors from harassing you with letters and phone calls. In many cases, they will simply go away and you will never hear from them again.
This section gives you a quick guide to the best way to get rid of the debt collectors, depending on your situation.
Choose one of these links:
--I am not sure if I actually owe the debt or if the amount is correct.
-- I do not think I owe this debt or the amount is incorrect.
-- I agree I owe the debt but I am not in a position to pay it off.
-- I want to settle this debt, but at the best terms I can get.