How To Get Out of Debt | Consumer Advice - Federal Trade …
Talk with your credit card company, even if you’ve been turned down before for a lower interest rate or other help with your debt. Instead of paying a company to talk to your creditor on your behalf, remember that you can do it yourself for free. Find their phone number on your card or …
Fixing Your Credit FAQs | Consumer Advice - Federal Trade …
If you’re in debt and need help, a reputable credit counseling organization might be able to help. Good credit counselors spend time discussing your entire financial situation with you before coming up with a personalized plan to solve your money problems.
Credit, Loans, and Debt | Consumer Advice - Federal Trade …
Are you looking for ways to pay off credit card debt? Offers to help you cut down or wipe out your debt might sound like a perfect solution, but dishonest debt relief companies will take your money and do little or nothing to help. So how do you get real help and skip the scammers?
Veterans: Need help with mortgage debt? Know your rights
Nov 8, 2023 · Know your rights. Scammers call or email, pretending to be from the VA or your home loan servicer. They claim if you pay them an upfront fee, they can get you a loan modification or refinancing to avoid foreclosure, so you can keep your home. But that’s illegal.
Need help spotting, avoiding, and reporting scams? Start with …
But help is on the way. The FTC’s new website, ftc.gov/Money Matters (in Spanish: ftc.gov/AsuntosDeDinero) has your back as you spot, avoid, and report scams — and as you help others protect their bottom line. Let’s say you need to …
Debt Collection FAQs | Consumer Advice - Federal Trade …
Mar 22, 2023 · 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. What To Know About Debt Collection. What To Know About Repaying Debts.
Debts and Deceased Relatives | Consumer Advice
Debts and Deceased Relatives. After a relative dies, the last thing a grieving family member wants is a call from a debt collector asking them to pay a loved one’s debt. Here’s what to know about the rules and your rights when a collector contacts you about a deceased relative’s debts.
Trouble Paying Your Mortgage or Facing Foreclosure?
If you don’t make your loan payments, you might owe extra fees, damage your credit score, and lose your home. Find out how to get legitimate help.
Debt Collection | Consumer Advice - Federal Trade Commission
Jul 22, 2022 · If a debt collector files a lawsuit against you to collect a debt, it’s important to respond — either yourself or through an attorney. And remember, you have rights when it comes to dealing with debt collectors. Here are answers to some common questions you might have about the process.
Dealing with debt collectors during the pandemic
Apr 22, 2020 · During the Coronavirus emergency, the federal government and many state and local governments also have put special programs in place that may help you manage your debt: The Department of Education (ED) has temporarily stopped the collection of federally-owned student loans that are in default.