Consumer Tips and Helps
What to Do When You Receive a Collection Notice
Working with a collection agency need not be an unpleasant experience. Assistance from collection specialists, plus determination and self control have brought many people out of serious financial situations.
Don't Get Angry
Contact the collection agency
Let the collection agency help
Learn more about what you should do from the ACA
Que hacer cuando recibe un aviso para recaudar una deuda
Your rights under the federal Fair Debt Collection Practices Act (FDCPA)
The federal Fair Debt Collection Practices Act (FDCPA) was enacted in 1977, with the support of ACA International, the association of credit and collection professionals (ACA), to protect consumers from unfair and abusive collection practices. The law regulates professional, third party collection businesses, agents and attorneys, but not “in-house” collectors, or creditors who collect their own debts.
Learn more about your rights under the FDCPA from ACA
Learn more about your rights under the FDCPA from the Federal Trade Commission
The Servicemembers Civil Relief Act
In order to give Americans in service to their country relief from obligations they may have incurred prior to entering military service, the Servicemembers Civil Relief Act (SCRA) was passed. The Act has been in effect since 1918, and most recently amended in 2003. Through the protections of the SCRA, service members can reduce distractions from financial issues at home and focus their attention on defending the United States.
Learn more about SCRA from ACA
Learn more about SCRA from about.com
Collection Services Bureau of Utah, Ogden, Utah 84401, (801) 621-4411
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