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Federal Trade Commission's Debt Collection FAQs

The Federal Trade Commission, the government body that enforces the Fair Debt Collection Practices Act (FDCPA), has compiled a list of Frequently Asked Questions (FAQs) regarding Debt Collection. Some of the questions answered include:

Cease and Desist Letter for Debt Collectors

If you are being contacted by a debt collector in violation of the Fair Debt Collection Practices Act (FDCPA), you may want to consider writing a Cease and Desist Letter to the debt collector.

Request for Information on Escrow Accounts Template

Please find attached a template letter that you can use to request information from your mortgage servicer for information regarding escrow accounts if your mortgage loan is currently in forebearance.

Template for Request for Information on Escrow Accounts.docx

Credit Card and Debit Card Protections and Rights Factsheets

The National Consumer Law Center has created guides addressing your credit card and debit card protections and legal rights. For more information, please view the attached factsheets.

Your_Credit_Card_Rights.pdf , Protections for Debit Card and Electronic Transactions Fact Sheet.pdf

Consumer Advice for Dealing with Debt Collectors

The National Consumer Law Center (NCLC) has created Consumer Advice for Dealing with Debt Collectors. Their webpage covers the following information:

Social Security Overpayment Help

If you need help with an SSI or SSDI overpayment issue, you can complete a form asking Social Security to waive repayment or lower the rate of repayment of the overpayment. For more information and a self-guided tool, please visit the Suffolk Lit Lab's website here: https://apps.suffolklitlab.org/run/ssioverpayment/#/1

How to Report Changes to Social Security

The Suffolk Lit Lab has developed a form to help people on SSI or SSDI create a letter to report changes to Social Security that might affect their benefits and to avoid any possible overpayments. For more information, visit their website here: https://apps.suffolklitlab.org/run/ssareportchangesletter/#/1

Understanding Bankruptcy Video - Spanish (Espanol)

Please view our Understanding Bankruptcy Videos in Spanish (Espanol) below. https://www.youtube.com/watch?v=iW98zHdtYEQ

Understanding Bankruptcy Video - English

Please view our Understanding Bankruptcy Video in English below. https://www.youtube.com/watch?v=fJqjqNfpVQo