What Debt Collectors Can and Can’t Do: Your FDCPA Rights in Plain English

Man reading a debt collection notice at his kitchen table

If a debt collector has contacted you — by phone, letter, email, text, or even social media — you might be wondering how much power they actually have. This guide is the rights-and-facts layer: what federal law says collectors can and can’t do. For the practical side — exactly what to say when they call … Read more

What to Do When a Debt Collector Calls (Your Rights + What Not to Say)

What to Do When a Debt Collector Calls (Your Rights + What Not to Say)

The phone rings. Unknown number. You pick up. “This is a call from a debt collection agency regarding an outstanding balance…” — and your heart drops. Most people panic at this moment. They either hang up immediately, say things they shouldn’t, or make promises they can’t keep. None of those are the right move. The … Read more