Debt collection basics

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

I was asked to co-sign financing for a car. What am I being asked to do and what does this mean for me?

How might a private student lender collect payments from me?

What does it mean to "default" on my private student loans?

What happens if I default on a federal student loan?

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

How might the U. S. Department of Education collect payments from me?

What does it mean to "default" on my federal student loans?

What is harassment by a debt collector?

Can debt collectors call me anytime they want, day or night?