How to File Complaints Against a Collection Agency

Woman using cell phone

Debt creditors play an essential role, however it's sudden how regularly they appear to violate man or woman rights. In some instances, scam artists pretending to be debt creditors make cellphone calls or send emails disturbing money. In different cases, debt collectors may be legitimate--however the debts have already been paid or forgiven.

Debt collectors may also harass innocent folks who are the sufferer of identification fraud. In many cases, it's miles suitable to file a criticism in opposition to a actual or alleged debt collector who is making your existence depressing.

How to File Complaints Against a Collection Agency

To report an alleged violation of your rights and report a criticism in opposition to a debt collector, begin by using contacting your kingdom’s legal professional fashionable. If your state has its very own laws (in addition to federal debt series legal guidelines) governing series techniques, your legal professional trendy’s workplace will recognise.

You can also contact the Federal Trade Commission (FTC) and report a criticism. The FTC does now not solve problems; it facts proceedings and looks for patterns and trends about a particular business.

To document a complaint with the FTC about a debt collector’s practices, write to:

Federal Trade Commission

Consumer Response Center

six hundred Pennsylvania Avenue, NW

Washington, DC 20580

To file a criticism or to get unfastened data on consumer troubles, go to or name toll-unfastened, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The website will take you via a multi-step on-line technique to file the problem.

What Kinds of Issues Does the FTC Address?

The FTC can provide at the least some assist and direction for people complaining about:

  • An original creditor collecting a debt
  • A organization apart from the original creditor accumulating a debt
  • A business enterprise offering debt control or credit counseling
  • A corporation providing to restore your debt

If your problem pertains to a telemarketer or undesirable direct advertising and marketing through electronic mail or textual content, the FTC will redirect you to the Do Not Call Registry ( or ask you to forward the unwanted e mail to

If you clearly paid an organization to clear up a debt and observed which you had been scammed, the FTC will ask you to fill out an in depth questionnaire after which describe the activities in your own words. You may have the choice of presenting as tons or as little non-public facts as you preference.

It's important to know that the FTC will no longer take motion because the police may. They may, however, sue a enterprise that is breaking the law, and you will be capable of acquire at the least some cash if the FTC is a success in its suit.