It's something most consumers dread -- a debt collector calling to ask about an unpaid credit card debt, past due student loan or medical debt. Regrettably, many of us have debts that we may have forgotten. Debt collectors remind us of this fact - sometimes properly, sometimes improperly. At times, debt collection practices can be abusive and possibly harassing. But there are laws that address such practices.

It is important, however, that you do not ignore letters and communications from debt collectors. If the debt is legitimate, you must pay it..

Be an Informed Consumer....We can Help!

• Understanding Debt Collection Video (Video)

• Debt Collection Brochure
  (En Español)

• Be sure to conduct regular maintenance and review your credit report on a regular basis and correct mistakes immediately. To obtain a free annual copies of your credit report, go to
  http://www.annualcreditreport.com

• Additional information about obtaining information from the three major credit bureaus, go to:
  http://www.njconsumeraffairs.gov/credit.htm

• For additional information about unfair debt collection practices, visit the Federal Trade Commission at:
  • http://www.consumer.ftc.gov/articles/0149-debt-collection

• Visit MyMoney.gov, the U.S. government's portal to financial education.

• If you believe that you have been a victim of an unfair debt collection practice, please contact the New Jersey Division of Consumer Affairs,
  Call 888-656-6225; or
  Visit NJConsumerAffairs.gov/comp.htm; or
  Write to:

  Division of Consumer Affairs
  Consumer Service Center
  P.O. Box 45025
  Newark, N.J. 07101
  

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