If you have or had experience with a collection agency, share it with us by filling in the form below.
If you recently had a collection account pop up on your credit report, use the information at the bottom
of this page or check out our Collections Search (C. Search for short) to find out what you can about them. Thanks again
for your input! As you scroll down, you'll find a list of previously submitted info, as well as
some collection agency guidelines. If you have a collection account and looking to remove it from your
credit report(s) legally, you can go to our Credit Repair page and read
how you to do so, as well as other things you can do to improve your credit. Also, it's important to know
facts from fiction when you're looking to repair or improve your credit, so check out our
credit facts & fiction page too.
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Debt Collection (FDCPA) GuidelinesWhat types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn't cover debts you incurred to run a business.
Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they're told (orally or in writing) that you're not allowed to get calls there.
How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter even if you don't think you owe the debt, can't repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don't want the collector to contact you again, tell the collector in writing to stop contacting you. Here's how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a return receipt so you'll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.