Debt collection issues can be challenging. You don't have to face them alone. Our resources, including guidance on the CFPB’s Debt Collection Rule, can help you understand how debt collection works and what your rights are.
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Understand how the CFPB’s Debt Collection Rule can help you
On November 30, 2021, the Debt Collection Rule became effective. The rule clarifies how debt collectors can communicate with you, including what information they’re required to provide you.
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Basics
Why a debt collector is contacting you
A debt collector may be trying to contact you because a creditor believes you are past due on the payments you owe on a debt. Read more
Learn what could happen if you avoid a debt collector
Ignoring or avoiding a debt collector is unlikely to make the debt collector stop contacting you. If you believe you do not owe the debt, you should tell the debt collector. Read more
Learn about some examples of "unfair" practices by a debt collector
The Fair Debt Collection Practices Act (FDCPA) says that a debt collector is not allowed to use unfair practices in trying to collect a debt. Read more
Key terms
Looking for ways to help others with money questions?
- Review the CFPB’s recent actions against debt collectors that broke the law
- Browse our database of consumer complaints about debt collection
See more resources for outreach and engagement with the people you serve
Understand your situation
Take action
Submit a complaint
Having trouble with a financial product or service? If you've already tried reaching out to the company and still have an issue, you can submit a complaint. Tell us about your issue—we'll forward it to the company and work to get you a response, generally within 15 days.
