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Being indebted to someone is a serious responsibility. Every borrower has the obligation to pay back what he owes. In turn, lenders also have the right to collect what is owed. In some cases, the borrower may have some difficulties living up to his obligation to make payments. When this happens, the lender may turn to a debt collection agency to take charge over the debt collection.

If dealing with your creditors and debt collectors is starting to stress you out, there are steps that you can take to regain your composure. The following advice is based on the stipulations of the Fair Debt Collection Practices Act. At the end of this article are tips on how to deal with debt collectors [...]

Creditors usually transfer the collection of debts that are long past due to a collection agency. Many consumers have experienced problems in dealing with a collection agency. Some agencies have been known to violate the rules stipulated in the Fair Debt Collection Practices Act. As a borrower, you have the right to dispute and stop [...]