Dealing with pushy debt collectors can be stressful, especially when their tactics cross legal boundaries. If you're facing aggressive collection efforts, you're not alone. You also have rights. The federal Fair Debt Collection Practices Act (FDCPA) and the Minnesota...
Knowing that you owe a business money is a stressful situation. You know you’re going to have collection attempts, including phone calls, text messages and written communication. You may even have to deal with them trying to contact you at work or calling your...
Creditors and collection specialists have an interest in getting people to pay what they owe. They send letters, take legal action and make phone calls to collect payment for outstanding debts. Frequently, the phone calls that they make are especially stressful for...
More and more debt collection agencies are leveraging automated robocalls to make debt collection efforts. This has made it increasingly challenging for individuals to differentiate between legitimate calls and unsolicited (and, quite often illegal) ones. Many people...
Recovering from a serious illness and long hospital stay can be challenging enough without a hefty medical bill waiting at the end of it. For most people, this bill is nearly impossible to pay all at once. This debt can come with a range of consequences, from...
The personal bankruptcy process is complex. People spend months, if not years, trying to regain control over their finances. They may have to liquidate some of their property or maintain a strict household budget as they complete a multi-year repayment plan. The...
If you owe an outstanding debt, it’s natural that creditors are going to try to contact you to collect. In some cases, consumers are unaware of the debt that they owe, so simple contact is all that is needed. In other cases, creditors may have been trying to collect...
It's easy to overlook paying a bill. You likely receive your bills via mail and email and the ones automatically withdrawn from your bank account. So, when you receive notification from a debt collector about a bill you've already paid, you start to question...
Collection agents and creditors often use telecommunications to collect the money owed to them. Calling a person who owes money can remind them that they have fallen behind and may inspire them to rework their budget. Creditors must comply with rules restricting...
Receiving a call or other notice of a collection attempt from a debt collector can be a difficult experience. As a result, some people may be tempted to give a debt collector whatever information they want so they can be done with them. If you’re going through this...