FREQUENTLY ASKED QUESTIONS (F.A.Q.)

If you’re behind in paying your bills, a debt collector may be contacting you. Here are some questions and answers about what such contact involves.

Q: What practices are off limits for debt collectors?
A: Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they
contact. For example, they may not:

• use threats of violence or harm;
• publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
• use obscene or profane language

False statements. Debt collectors may not lie when they are trying to collect a debt.


Q: Can a debt collector garnish my bank account or my wages?
A: If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt. The similar case is with wage agrnishment.

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