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Sample Letter to Dispute a Mixed File in Your Credit Report If you need to send a dispute letter to a credit bureau because they have mixed up someone else’s information in your file, use [...]

Sign up for our free email course on debt-collection violations To get our free multi-part email course on how to spot debt collection violations, just enter your first name and email address [...]

Welcome to our free FDCPA Email Course. You’ve signed up for our free FDCPA Email course that walks you through all the different ways a debt collector might break federal law when [...]

Everything else: Multiple debts, getting sued, and deceptive forms The last three sections of the FDCPA don’t have a lot of parts, but they can be hard to follow unless you have a roadmap. [...]

Debt verification notice and response: Possibly the most misunderstood part of the FDCPA. There is so much confusion around debt verification and what the law actually requires. We’ve [...]

What’s fair and what’s not. Figuring out what the law labels as “unfair” The ban on “unfair” practices in debt collection is broad and vague, but it gives [...]

False and misleading: when debt collectors lie. What did they lie to you about? The FDCPA bans “false” and “deceptive” acts when collecting debts. The law gives several [...]

Is this debt collector harassing or abusing you? Here’s what the law says. It’s illegal for a debt collector to do anything harassing or abusive. But what does that mean? Just because [...]

Are these debt collection communications illegal? How communications break federal debt collection law There are so many ways a debt collector’s communications can break the law, it’s [...]

Are debt collectors bothering your family and friends? How to tell when they cross the line There are a very small number of ways debt collectors can legally contact family, friends, or others to [...]