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Unlawful Debt Collection

There are state and federal laws in place to protect consumers from abusive debt collection practices. Debt collectors cannot harass consumers or refuse to provide consumers with accurate, transparent information regarding debts. Amongst other things, debt collectors are prohibited from:

  • Calling consumers before 8 a.m. or after 9 p.m.

  • Repeatedly calling consumers to annoy them

  • Contacting consumers at their job, after being asked not to

  • Contacting consumers’ family, friends, or acquaintances

  • Making false statements about who they are

  • Misrepresent the amount of debts

  • Threatening arrest, violence, or harm

  • Using obscene language

To learn more, read FAQ.

Credit Report Errors

Your credit report can impact your quality of life. Credit reports can influence the type of house, car, and sometimes job you qualify for. So, it’s great that there are federal laws in place to protect consumers, like you, from inaccurate and unfair consumer reporting. Common credit reporting errors include:

  • Account does not belong to consumer

  • Account resulted from identity theft

  • Inaccurate account payment history

  • Inaccurate account status

  • Outdated account information

  • Reported as deceased

To learn more, read FAQ.

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