This includes money owed on personal credit card accounts, auto loans, medical bills, and mortgages.
The FDCPA does not cover debts incurred in running a business.
Within five days after a debt collector first contacts you, the collector must send you a written notice that tells you the name of the creditor, how much you owe, and what action to take if you believe you do not owe the money.
Credit counseling services provide various resources to help solve your money problems.
From starting a budget to educational programs on money management, counselors discuss your entire financial situation and help you develop a personalized plan.