Resources for consumers

The CFPB is a U.S. government agency that protects consumers in the financial marketplace. They provide guides on how to deal with debt collectors, explain your rights under the law, and allow you to file complaints if a collector is acting unfairly. This makes it a trusted place to learn and get help with collection issues.

The FTC is another federal agency focused on protecting consumers from unfair or deceptive practices. They oversee the Fair Debt Collection Practices Act (FDCPA), which sets the rules for how collectors must treat you. Their website offers clear tips for spotting scams and understanding what collectors legally can—and cannot—do.

The NFCC is a nonprofit organization dedicated to helping people manage debt and improve their financial health. They connect you with certified credit counselors who can help set up payment plans, budget, and explore options if you’re struggling with collections.

This is the only official site where you can request free credit reports from all three major credit bureaus—Equifax, Experian, and TransUnion—once per year. Reviewing your report helps you see if any accounts are in collections, check for errors, and keep track of your credit health.

This U.S. government website offers easy-to-understand tools and resources for managing money, debt, and credit. It’s a great place to learn the basics of budgeting and debt management so you can avoid future collection problems.

NACA is a network of attorneys who specialize in protecting consumer rights. Their website lets you search for a lawyer in your area who understands debt collection laws and can help if you’re facing aggressive or unfair collection practices.