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Debt collection stories

Your voice, your story. We’ve heard from consumers across the country about their experiences with debt collection.

Ana: Debts you don’t owe

Ana told us that she received letters in the mail requesting she pay over $30,000 in homeowners’ association fees—fees she had already paid.

Danieshia: Threatened with jail

After losing her job, Danieshia explains that she was unable to pay her debts and soon found herself being threatened with jail by a debt collector.

William: Not my debt

William told us that debt collectors requested that he pay $8,000 for a debt he never owed, ruining his credit in the process.

Debbie: Excessive contact

Debbie told us that she was frustrated by the amount of calls she received about a debt she didn’t understand.

Bernadette: Unwanted contact

Bernadette told us that a collection agency left her a message at work. Shortly thereafter, she says the collection agency contacted her dad, sisters, and a friend.

Share your debt collection experience

Illustration of a hand collecting a debt

The more we hear from you, the more insight we gain into what’s happening in the financial world and how it’s affecting you. Your experience will help inform how we work to protect consumers to create a fairer marketplace.

What we’re doing

In July 2016, we outlined a number of proposals under consideration regarding debt collection, including:

  • Improving the quality of information about the debt being collected
  • Limiting the frequency with which debt collectors may contact consumers
  • Improving the information that consumers have at the outset of collections
  • Improving consumer understanding of the debt collection process

Learn more about our debt collection work