Debt Collection FAQs

Debt collectors can add fees to your debt, but the fees must be reasonable and allowed by your state's law or your original credit card or loan agreement.

Whether you can make payment arrangements on a debt depends on the debt, the debt collector, and the amount you're able to pay.

The FDCPA says debt collectors can't call you at work after they know your employer doesn't approve. You can stop debt collectors from calling you at work.

If you've ever been contacted about a debt that's ages old, you probably wondered whether the creditor can legally collect this debt from you. In certain circumstances, they can't collect old debts.

If a debt's no longer listed on your credit report, a debt collector may still contact you about the debt. This is legal, except in specific situations.

A debt collector can indeed sue you for an unpaid debt, even if the statute of limitations or credit reporting time limit has passed.

The FDCPA or Fair Debt Collection Practices Act was designed for third-party debt collectors. Generally, the original creditor doesn't have to follow the rules specified in the FDCPA. There may be some exceptions.

There are a few ways you can find out which collection agency you owe. If you can't find them, they'll eventually find you.

The FDPCA applies to payday loans when there's a third party debt collector involved.