Why a debt collector is contacting you
A debt collector may be trying to contact you because a creditor believes you are past due on the payments you owe on a debt.
Read moreDebt collection
Debt collection issues can be challenging. You don't have to face them alone. Our resources, including guidance on the CFPB’s Debt Collection Rule, can help you understand how debt collection works and what your rights are.
Understand how the CFPB’s Debt Collection Rule can help you
On November 30, 2021, the Debt Collection Rule became effective. The rule clarifies how debt collectors can communicate with you, including what information they’re required to provide you.
Learn more about the new debt collection ruleGet started
Basics
Learn what could happen if you avoid a debt collector
Ignoring or avoiding a debt collector is unlikely to make the debt collector stop contacting you. If you believe you do not owe the debt, you should tell the debt collector.
Read moreLearn about some examples of "unfair" practices by a debt collector
The Fair Debt Collection Practices Act (FDCPA) says that a debt collector is not allowed to use unfair practices in trying to collect a debt.
Read moreKey terms
Credit counselor
Debt Collection Rule
Debt collector
Fair Debt Collection Practices Act (FDCPA)
Garnishment
Harassment by a debt collector
Judgment
Limited-Content Message
Original creditor
Statute of limitations
Validation Notice
Explore key terms
Looking for ways to help others with money questions?
Understand your situation
Common issues
You do not owe the debt or want proof of the debt
The debt collector is calling you non-stop
You are wondering whether to use a credit counselor or a debt settlement company
Explore common issues
Know your rights
There are laws that limit what debt collectors can say or do
You have the right to tell a debt collector to stop contacting you
Only in rare cases can debt collectors take Social Security or VA benefits
Explore your rights
Take action
How-to guides
How to reply to a debt collector
Read guideHow to negotiate a settlement with a debt collector
Read guideWhat to do if a creditor or debt collector sues you
Read guideSubmit a complaint
Having trouble with a financial product or service? If you've already tried reaching out to the company and still have an issue, you can submit a complaint. Tell us about your issue—we'll forward it to the company and work to get you a response, generally within 15 days.
Start a complaint