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  1. Debt collection - Consumer Financial Protection Bureau

    Oct 30, 2025 · Understand how debt collection works, what your rights are, common issues with debt collection, and how to work with debt collectors.

  2. Debt collection basics - Consumer Financial Protection Bureau

    Dec 28, 2022 · What is an unfair, deceptive or abusive practice by a debt collector? What can I do if a debt collector contacts me about a debt I already paid or don't think I owe?

  3. What laws limit what debt collectors can say or do?

    Dec 9, 2024 · Learn about the laws, including the FDCPA, that limit what debt collectors can say or do. Protect yourself from abusive, unfair, or deceptive practices.

  4. What should I do if I’m sued by a debt collector or creditor?

    Aug 2, 2023 · If you're sued by a debt collector, it’s important to respond. Learn what you need to do.

  5. What should I do when a debt collector contacts me?

    Aug 2, 2023 · First, determine important information about your debt—including if it’s legitimate and if you really owe it—and then use our sample letters to respond appropriately to the debt collector.

  6. Understand how the CFPB’s Debt Collection Rule impacts you

    Nov 30, 2021 · The CFPB issued rules clarifying how debt collectors can communicate with you. Here are five key things to know about these new debt collection rules.

  7. Debt collection key terms - Consumer Financial Protection Bureau

    Dec 28, 2022 · The Fair Debt Collection Practices Act (FDCPA) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair …

  8. The CFPB may exempt certain classes of debt collection practices from the requirements of the FDCPA if it has determined that state laws impose substantially similar requirements and that there is …

  9. What information does a debt collector have to give me about a debt ...

    Jan 29, 2024 · If you’re being contacted by a debt collector, you have rights and protections under federal law, and the rights and protections apply to how and when they can contact you. Learn more …

  10. The Debt Collection Rule prohibits debt collectors from selling, transferring for consideration, or placing for collection a debt if the debt collector knows or should know that the debt was paid, was settled, or …