![]() Interest and Other Charges: Information about interest and fees that debt collectors may charge on your debt.Debt Collector Contacting Your Employer or Other People: Debt collectors are only allowed to contact your employer or other people about your debt under certain conditions.Harassment and Call Restrictions: Common things debt collectors are and are not allowed to do. ![]() Disputing a Debt: What to do if a debt collector contacts you about a debt that you do not owe, that is for the wrong amount, or that is for a debt you already paid.Here is information about some common debt collection issues: The law protects you from abusive, unfair, or deceptive debt collection practices. If you are sued, you may want to consult an attorney. Make sure you respond by the date stated in the court papers so you can defend yourself in court. The debt collector could then garnish your wages and bank accounts, meaning it could take money from your paycheck or accounts. If you get a summons notifying you that a debt collector is suing you, do not ignore it-if you do, the collector may be able to get a default judgment against you (that is, the court enters judgment in the collector's favor because you didn't respond to defend yourself). If you receive a notice from a debt collector, it's important to respond as soon as possible-even if you do not owe the debt-because otherwise the collector may continue trying to collect the debt, report negative information to credit reporting companies, and even sue you.
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