Who Can I Write to With Complaints About Collection Agencies?

Your Basic Rights

• Under the Fair Debt Collection Practices Act (FDCPA), bill collectors cannot threaten you or call you before 8 a.m. or after 9 p.m.
  
  

Additional Rights

• If you inform the collection agency in writing to stop calling you at work or home and they continue, this is a violation of the FDCPA and justifies a formal complaint.
  
  

FTC Complaint Process

• If a collection agency is trying to collect on a false debt claim or violating your rights, you can call the FTC at 877-FTC-HELP (877-382-4357) or file a complaint at their website.
  
  

Other Complaint Avenues

• Writing to the appropriate branch of the Better Business Bureau and/or to your state Attorney General's office are additional avenues for filing legitimate complaints against collection agencies.
  
  

Going to Court

• If a collection agency continues harassing you or trying to collect a debt that is not yours, you may need to take them to court. You can retain an attorney or handle it yourself in small claims court.