Debt Collection

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Debt Collection Rulemaking at the CFPB


Nearly all households who are behind on their bills paid their bills until they faced a financial catastrophe: unemployment, illness, disability, divorce, or succumbed to some of the daily exhortations in their mailbox to borrow and on TV to buy on credit. During recessions even more consumers fall behind because they are laid off by an employer. Recognizing this, federal and many states’ laws require that financially distressed consumers not be abused, deceived, lose their privacy, or be treated unfairly.

Debt collectors use various forms of illegal intimidation, including talking with friends and employers about a consumer’s debt without permission from the debtor; making harassing or abusive telephone calls; threatening to take actions that are illegal or not intended; and suing on debts that were paid or not owed. Fortunately there are more lawyers specializing in helping consumers with debt collection harassment than ever before.  Check out to find a lawyer.

Model Statutes

Policy Analysis

Policy Briefs, Reports & Press Releases

Debt Collection Comments and Testimony



Related Publications

  • Fair Debt Collection, The latest thinking and definitive analysis of the federal Fair Debt Collection Practices Act (FDCPA), the statute that dramatically alters how collection agencies and attorneys collect consumer debts, now in an all new revised edition.
  • Collection Actions, This new title covers consumer defenses to collection lawsuits on credit card, medical, and other debts.

Consumer Information