If you don't pay your bills on time, a store, bank or other creditor may hire a debt collection company to recoup owed money. An item you purchased but didn't finishing paying off may even be repossessed. It is important for consumers to know that they have rights in this situation.
Consumers may also be interested in credit counseling and debt mediation services to help them through their trying situation. It is important to understand how these services work in order to make an informed decision about engaging them and to avoid falling victim to scammers.
Debt Collection and Your Rights
Learn about consumer rights related to debt collection and merchandise repossession.
Credit Counseling and Debt Mediation Services
Enhance your knowledge about credit counseling and debt mediation services. Learn how to choose one and the warning signs of possible fraud.
Merchandise Repossession
Know your rights in New York State when dealing with repossession of merchandise.
Payday Loans
Read about the pitfalls of payday loans, as well as alternatives to costly payday borrowing.