From the Consumer Financial Protection Bureau (CFPB)
Learning about your rights can help to prevent problems and avoid scams during this stressful time. If you have outstanding debts, you can use the When debt collectors call tool from our Your Money, Your Goals financial empowerment toolkit to be prepared to respond to debt collectors.
The tool will help you to:
- Take action to verify whether the claim is valid
- Know how to dispute the claim if you do not owe the debt
- Know what to do next if you do owe the debt
This information can also help you be prepared to avoid scammers who may pose as debt collectors to get you to pay on debts that you don’t owe.