Can a Collection Agency Add Fees That Were Never in the Original Bill?
Learn when debt collectors can legally tack on extra fees and what you can do to fight unauthorized charges, dispute inaccuracies, and protect your rights.
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Debt collection
Understand collection notices, prepare questions about an unfamiliar debt, and keep an organized communication record.
Open the related tool →A useful place to start
- Keep the notice, envelope, and date you received it.
- Compare the account and amount with your own records.
- Read the CFPB guidance before choosing how to respond.
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Can You Fight a Medical Bill Sent to Collections Before Insurance Finishes?
A medical bill sent to collections while insurance is still processing can be stressful and confusing. This guide walks you through practical steps to dispute the debt, protect your credit, and escalate your case-including how to use federal consumer laws and complaint systems-all without needing a lawyer right away.
Read guide →How to Stop Debt Collectors From Contacting Your Family
Debt collectors contacting your family can be stressful and embarrassing, but federal law gives you the right to stop most of these communications. Learn the step-by-step process to regain control without hiring a lawyer.
Read guide →What to Do If a Debt Collector Threatens a Lawsuit You Do Not Recognize
A debt collector is threatening a lawsuit over a debt you don't recognize. Learn the steps to protect yourself, from requesting debt validation to disputing errors on your credit report and filing complaints with regulators.
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Read guide →Fraudulent Debt Settlement Companies: Pursuing Legal Action For Misleading Debt Relief Services
Read guide →Fraudulent Debt Collection: Can You Sue For Unfair Practices?
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