Are you getting pressure from your credit card suppliers? Are you struggling to meet the monthly repayments? Are high interest rates making it impossible for you to reduce your balance? These can all induce stress, but don’t panic. Here are a few tips to take it one step a time.
However, if you DO have to deal with debt collector, you are protected by the Fair Debt Collection Practices Act. You do have civil rights when it comes to debt collection. It is a federal law that dictates how and when a debt collector may contact you. Debt collector may not call you before 8 a.m., after 9 p.m., or while you’re at work if the collector knows that your employer doesn’t approve of the calls. Collectors may not harass you, lie, or use unfair practices when they try to collect a debt. And they must honor a written request from you to stop further contact. Make sure you know your rights!
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