Debt collectors often do whatever it takes to collect a debt. Threatening letters, harassing phone calls, and other legal and illegal tactics are just a few of the ways that debt collection agencies attempt to intimidate consumers into paying. When these methods fail, however, debt collectors sometimes file lawsuits against debtors. If you’ve been sued…

When a debt collector successfully sues you in court, you become legally obligated to pay the amount owed. To collect the debt, a debt collector can obtain a court order requiring your bank or credit union to take money from your account. This process is called garnishment. Although a debt collector that wins a judgment…

Debt collectors purchase debt from original creditors for pennies on the dollar and then attempt to collect the debts. However, they don’t typically research whether a consumer actually owes a debt before attempting to collect it. The result of this is that debt collectors routinely harass people about debts they don’t owe. If you’re being…