(NAPSA) - If you're behind in paying your bills, you can expect to hear from a debt collector. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
What Are My Rights?
The Federal Trade Commission (FTC), the nation's consumer protection agency, enforces the Fair Debt Collection Practices Act, which requires that debt collectors treat you fairly when trying to collect on personal, family and household debts. This includes money you owe on a personal credit card account, an auto loan, a medical bill or your mortgage. In short:
Where Do I Report Violations?
If you think that a debt collector has violated the law, report it to the FTC. File your complaint at www.ftc.gov/complaint. Your complaint gives law enforcement a lead to follow up on and may stop it from happening to someone else.
For more tips on credit and debt, visit www.ftc.gov/MoneyMatters or call toll-free, 1-877-FTC-HELP (1-877-382-4357).
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