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Useful Resources
Debt Collectors | State of California - Department of Justice ...
If you receive a notice from a debt collector, it's important to respond as soon as ... trying to collect the debt, report negative information to credit reporting companies, ... For sample dispute letters, see the CFPB's "What should I do when a debt ... you and to notify you that it may file a lawsuit or take other action against you.
When is debt collection illegal? | FTC Consumer Information
Aug 7, 2014 - The FTC alleged that Credit Smart used illegal tactics to pressure people into paying debts. ... I contacted the collection agency after I received a letter. ... If a legitimate debt collector files a lawsuit against you to collect a legimate ... sometimes you need help & you have every intention of paying your debt.