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The Easiest Way To Learn How To Deal With Debt Collectors In Only 2 Minutes (video)


Are you behind in paying your bills, then you can expect to hear from a debt collector. A debt collector is someone, other than the creditor, who regularly collects debts owed to someone else. Attorneys who collect debts on a regular basis are also considered debt collectors.

What You Need to Know
You have rights: Federal law requires that debt collectors treat you fairly. In short, that means:

  • A debt collector may contact you in person, by mail, telephone, telegram, or fax, but may not contact you at inconvenient times or places – for example, before 8 a.m. or after 9 p.m – unless you agree. A debt collector may not contact you at work if the collector is aware that your employer prohibits it.
  • If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people only to find out your address, your phone number, and where you work.
  • A debt collector may not harass, oppress, or abuse you or any third parties they contact about you.
  • A debt collector may not lie or mislead anyone when collecting a debt.

(Vea en español)

Downloadable Video Files

Source FTC.gov

by Bradley Covey

Elgin Illinois Bankruptcy Attorney Bradley Covey - Bankruptcy: not a failure...A Fresh Start! Let Bradley Covey help you understand your bankruptcy options including Chapter 7 and Chapter 13 bankruptcy. Call Today A Fresh Start!
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Phone: (847) 608-1313
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About Bradley Covey

Bradley Covey is an Illinois bankruptcy attorney helping individuals and businesses file Chapter 7 bankruptcy and Chapter 13 bankruptcy in Kane County, DuPage County, Kendall County and Will County, Illinois. Brad attended SIU undergrad and NIU College of Law. Brad served in the military at Ft. Stewart, Georgia and Ft. Sill, Ok as a Field Artillery Officer. Brad later served in the Illinois National Guard as a Major.