Problems with debt collectors and creditors

• Attempt to collect debts that do not belong to you

• Collect more than you owe

• Impose exaggerated charges

• Threaten violence or harm

• Use profane language or insults

• Call repeatedly to harass or annoy

• Falsely suggest that they are attorneys or government representatives

• Threaten arrest or prosecution if you do not pay the debt

• Threaten to confiscate your property or garnish your wages without having the legal right to do so

• Call your friends, neighbors, family or place of employment

• Report erroneous or false information to credit bureaus

• Collect old debts which are time-barred by the statute of limitations

• Collect debts discharged in bankruptcy

You do not pay attorney's fees. Debt collectors, creditors and credit bureaus pay your fees if you win your case.