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consumerfinance.gov
Debt collection | Consumer Financial Protection Bureau
Understand how debt collection works, what your rights are, common issues with debt collection, and how to work with debt collectors.
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🛑 Know Your Rights: Stop Debt Collector Harassment 🛑 Did you know you have the power to stop debt collection calls and letters? This isn't just a courtesy—it's your federal right under the Fair Debt Collection Practices Act (FDCPA)! ✍️ The Cease and Desist Power If a debt collector contacts you, you can send them a written Cease and Desist Letter (15 USC text{§}1692c(c)). Once they receive it, they MUST stop all communication. ⚖️ The Consequences of Violation If they contact you again (ou
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