Self-Help
There are steps you can take to protect yourself and your credit from damage
from unfair debt collection practices.

Keep a Communication Log

Keep a log of all the communications (phone calls, e-mails, letters, etc.) between you and the bill collectors. These records are important in helping make sure you have the evidence to prove
your claim or case. They will also help us determine if any of the collectors have broken the
law and what can be done to help you.

Monitor Your Credit Report
Every year you can get one free credit report from each of the three credit companies.
Review your report for false charges and negative information.
This is particularly important to do if you believe a debt collector is wrongfully reporting
negative information.


Set Boundaries with the Collectors

You have the right to tell debt collectors to stop calling you.
Send them a letter telling them to stop all communications with you.
If they keep calling or writing to you or if they threaten you in any way, call us.



What We Can Do to Help
You may have options both in dealing with your debt and in dealing with your creditors. Depending on your circumstances, we can help you:
  • Stop the harassment
  • Direct all calls to our office
  • Negotiate your debt or settle the account
  • Work out a payment plan with the creditor
  • Work to discharge the debt or repay the debt through bankruptcy
  • Sue for money damages if creditors and collectors have broken the law