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Educational Consumer Tips

Debt Collection

Author: Better Business Bureau
Published:

Under the Federal Trade Commission's Fair Debt Collection Practices Act, collection agencies may not use any false, deceptive, or misleading representations or means to collect debts. They may not harass, oppress, or abuse any person while attempting to collect a debt. A debtor may be contacted between 8 a.m. and 9 p.m. only and can be contacted at work unless instructed not to contact you while on the job. Collectors may not tell others about the debtor's personal finances. Some states have laws regarding debt collection agencies, which are much like the FTC act. Consumers may contact SC Consumer Affairs for additional information at (800) 922-1594 or www.scconsumer.gov.

The www.ftc.gov website has additional information on Fair Debt Collection Practices Act and also allows complaints to be filed with that agency. The phone number for the Federal Trade Commission is 877-382-4357.

The Consumer Financial Protection Agency also has information concerning debt collectors on their web site www.consumerfinance.gov.  You may also contact the Consumer Financial Protection Bureau at 855-695-7974 or email whistleblower@cfpb.gov to report complaints about debt collectors.