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The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
The Act covers personal, family, and household debts.
Bankruptcy information stays on a credit report for 10 years and can make it difficult to get credit, buy a home, get life insurance, or sometimes get a job.
As federal courts have exclusive jurisdiction over bankruptcy laws, cases must be filed in federal bankruptcy court.
If you're unable to pay your creditors, filing for bankruptcy can help you get a fresh start by liquidating your assets to pay off your debts or create a payment plan.
Yet since bankruptcy has far-reaching and long-lasting results, you should first consider other debt management options.
Your state Attorney General’s office can help you find out your rights under your state’s law.
The NFCC’s certified consumer credit counselors are located in each of the 50 states in the country, as well as Puerto Rico.
Each member agency is accredited by the Council on Accreditation.
A credit counselor can assist in determining a solution for your credit and debt issues.
Get financial reviews, counseling sessions and plans to help solve your financial situation.