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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

I am getting collection calls. What can I do?


You should first determine whether you really are late on your payments. 

Check your bank account information to make sure your payments were withdrawn. You should also make sure that your payment was either mailed or sent electronically to the right place by contacting your lender or servicer directly.

If you aren’t late or you disagree with the amount the debt collector says is due, you can dispute the collection claim. Even if you are late, remember that you have rights when dealing with debt collectors, and it is against the law for a collector to harass you or make false statements to you.

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.