What You Need to Know about Zombie Debt Collectors

No, this isn’t the latest horror movie, this is something that has been going on and is now becoming a real problem for consumers. This expanding new industry has prompted a flood of complaints to state and federal agencies. Know the laws and don't let these debt collectors threaten you or break the law.

What Collection Agencies Can and Cannot Legally Do

Photo by Maggiebug CC0 1.0

 Debt collectors are using illegal scare tactics to get a person to pay their debts. There are strict and precise laws as to what a debt collector can do and say and what they cannot do. Do not fall for their scare tactics and do not let them bully you. Know the laws.

How to Get Your Free Credit Report and Repair It

As of 2003, and thanks to the Fair and Accurate Credit Transaction Act (the FACT act), every American is now entitled to their credit report free once a year from the three major credit-reporting agencies. Just be careful of who you get your free credit report from and do not get stuck into some credit monitoring service.