Sample Letter for Disputing Billing Errors

Below is a sample letter than you are free to use for those who are billing you for the wrong amount or who are billing you fraudulently. Make sure that the address you send it to is legit before you mail it. Unfortunately, scammers are not going anywhere! Use this sample to draft your letter … Continue reading Sample Letter for Disputing Billing Errors

Debt collectors: Mind the “No Parking” Signs on Credit Reports

by Seena Gressin, Attorney, Division of Consumer & Business Education, FTC There’s a virtual “NO PARKING” sign planted smack in the middle of your credit report. It means that debt collectors can’t report your debt — or your supposed debt — to credit reporting agencies without first trying to check with you. That’s a key takeaway … Continue reading Debt collectors: Mind the “No Parking” Signs on Credit Reports

Fake and Abusive Debt Collectors

Have you ever gotten a call about a debt you don’t recognize? Or have you had a collector harass, threaten, or lie to you? If you owe a debt — or if you don’t owe the debt a collector is asking about — you have rights when it comes to debt collectors. Here’s what you … Continue reading Fake and Abusive Debt Collectors