You have the same problem faced by millions of people. You have more expenses, bills and debts than you have money to pay them. Here are some pointers for helping you deal with creditors and debt collectors.
If you're behind in paying your bills, or a creditor's records mistakenly make it appear that you are, a debt collector may be contacting you. The Federal Trade Commission (FTC), the nation's consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you. Read the Debt Collection FAQs to get your questions answered about debt collection practices.