Debt collection basics

What is an original creditor and what is the difference between an original creditor and a debt collector?

What is an unfair, deceptive or abusive practice by a debt collector?

What can I do if a debt collector contacts me about a debt I already paid or don't think I owe?

How do I get a debt collector to stop calling or contacting me?

Can a debt collector increase the interest rate on a debt I owe?

Can a debt collector try to collect on a debt that was discharged in bankruptcy?

What may happen if I ignore or avoid a debt collector?

Can a debt collector take or garnish my wages or benefits?

What is the difference between credit counseling and debt settlement, debt consolidation, or credit repair?

What is credit counseling?

What is a debt relief program and how do I know if I should use one?

Does a person's debt go away when they die?

Am I responsible for my spouse’s debts after they die?

Can a debt collector contact me about a deceased relative’s debts?

Can I be arrested for an unpaid debt?

Can a creditor refer my account to a collection agency before my debt is due? Do I have to be told before a debt is turned in to collections?

Should I get a payday loan if I need money now?

What should I do when a debt collector contacts me?

How do I tell if a debt collector is legitimate or a scam?

Should I share personal information with a debt collector?

What is a “limited-content message?”

What is a debt collector and why are they contacting me?

What should I do if I’m sued by a debt collector or creditor?

What is harassment by a debt collector?

What are my options if a debt collection agency contacts me about my student loans?