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Debt Collection FAQs

Is a debt collector calling? What can you do? What are your rights? The Fair Debt Collection Practices Act (FDCPA) makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. Here are some answers to frequently asked questions about your rights.
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Debts and Deceased Relatives

Here’s what to know about the rules and your rights when a collector contacts you about a deceased relative’s debts.
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Mortgage Relief Scams

Scammers promise to make changes to your mortgage loan or take other steps to save your home, but they don’t deliver. Never pay a company upfront for promises to help you get relief on paying your mortgage.
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Reverse Mortgages

Reverse mortgages let you cash in on the equity in your home: these mortgages can have serious implications.
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Your Rights When Paying Your Mortgage

Dealing with your mortgage can feel confusing and frustrating. But you have rights when it comes to making your payments and how your servicer manages your account. Learn your rights concerning how your loan servicer manages your mortgage loan account.
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Shopping for a Mortgage FAQs

When buying a home, shop around, compare terms, and prepare to negotiate to get the best deal.
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Free Credit Reports

Learn how, why, and when to order copies of your free annual credit report.
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What To Know About Advance-Fee Loans

Some companies promise you a low-interest loan or credit card, but want a fee first. They’re scams. Learn the warning signs.
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How To Get Out of Debt

If you’re worried about how to get out of debt, here are some things to know — and how to find legitim

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Lost or Stolen Credit, ATM, and Debit Cards

If your credit, ATM, or debit card is lost or stolen, federal law limits your liability for charges made without your permission, but your protection depends on the type of