To be in debt is never the intention of spending extended credit yet is often the enduring outcome. Debt can be accrued through a variety purchases including a car loan, credit card purchases, medical bills, and student loans among others. For many individuals and families – debt is a way of life. When debt becomes unmanageable though and bills go unpaid and collection calls ensue– it can get in the way of life. If your debt situation has reached an uncontrollable point, it’s important to know your rights.

The Fair Debt Collection Practices Act

Regardless of how or why an account goes into collection, one must work directly with the agency to then manage their accounts. During this process consumers are afforded certain government rights under The Fair Debt Collection Practices Act (FDCPA). (more…)