Facing debt can be daunting, especially when debt collectors come calling. Many people feel intimidated and unsure of their rights when dealing with these agencies. At our non-profit credit counseling agency, we believe that knowledge is power. Here’s a comprehensive guide to help you understand your rights and best practices when dealing with debt collectors. […]
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Can Debt Collectors Harass You On Social Media?
It seems like everyone is on Facebook or Twitter these days. From the young to the old, a huge majority of people are taking to social media to stay connected with friends and family. What if I told you that’s exactly what some debt collectors are hoping for? Debt collectors who use social media to […]
Continue ReadingFair Credit Reporting Improvement Act of 2014
The Fair Credit Reporting Act (FCRA) is a federal law that regulates the collection, distribution, and use of consumer credit information. Along with the Fair Debt Collection Practices Act (FDCPA), FCRA forms the base of consumer credit rights in the United States. It was originally passed in 1970, and it’s enforced by the Federal Trade Commission. This seemingly outdated Act may receive […]
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