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National Foreclosure Mitigation Counseling in ILLINOIS

Foreclosure prevention counseling services are provided free of charge by nonprofit housing counseling agencies working in partnership with the Federal Government. These agencies are funded, […]

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Debt Collection: What You Need to Know

Debt-Credit Consolidation July 3, 2025

Debt Collection

If you are behind in paying your bills, you can expect to hear from a debt collector. A debt collector is someone, other than the creditor, who regularly collects debts owed to someone else. Lawyers who collect debts on a regular basis are considered debt collectors, too.

What You Need to Know

You have rights: Federal law requires that debt collectors treat you fairly. In short, that means:

  • A debt collector may contact you in person, by mail, telephone, telegram, or fax, but may not contact you at inconvenient times or places – for example, before 8 a.m. or after 9 p.m – unless you agree. A debt collector may not contact you at work if the collector is aware that your employer prohibits it.
  • If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people only to find out your address, your phone number, and where you work.
  • A debt collector may not harass, oppress, or abuse you or any third parties they contact about you.
  • A debt collector may not lie or mislead anyone when collecting a debt.

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