No, it is not illegal for companies to sell your debt. Selling debt to third-party collectors is a legal and common business practice in the United States, but the rules around how it’s done, who gets notified, and how the new collector can behave are tightly regulated by federal law.
Most people find out their debt was sold when a stranger calls demanding money. That’s a jarring experience, and it raises real questions about what just happened legally.
Federal law, specifically the Fair Debt Collection Practices Act, sets the boundaries. Breaking those boundaries is where things go from legal to illegal fast.
This article covers everything you need to know: what the law actually permits, what it prohibits, your rights as a consumer, and how state laws can give you even more protection than federal rules do.
Is It Illegal for Companies to Sell Your Debt?
No, it is not illegal for companies to sell your debt. Debt sales are a standard, federally permitted practice across the United States.
Companies routinely sell unpaid debt to third parties called debt buyers. The original creditor, such as a credit card company or a medical provider, receives a lump-sum payment, often a fraction of the debt’s face value. The debt buyer then attempts to collect the full amount from you.
This process is legal at every step, provided the sale and subsequent collection comply with applicable federal and state laws. The legality of the sale itself is rarely the issue. What becomes illegal is how the new collector behaves after the purchase.
Quick Facts:
- Debt sales are legal under federal law in all 50 states
- The Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692 et seq., governs collection behavior after a sale
- The Consumer Financial Protection Bureau (CFPB) supervises debt buyers and collectors
- Companies do not need your permission to sell your debt
- Most original creditor agreements include language permitting debt assignment or sale
The sale transfers the legal right to collect the debt. It does not change what you actually owe, and it does not give the new collector the right to harass, deceive, or threaten you.
Is It Legal for Companies to Sell Your Debt?
Yes, it is fully legal for companies to sell your debt. There is no federal or state law that prohibits a creditor from selling an outstanding debt obligation to another party.
The practice is embedded in how credit markets work in the US. Banks, credit card issuers, hospitals, utility companies, and retailers all sell delinquent accounts. The debt buyer acquires those accounts and either collects directly or sells them again to another buyer.
This chain of ownership is sometimes called a debt portfolio. A single debt can pass through multiple buyers before anyone successfully collects it, or before the statute of limitations runs out.
| Who Can Sell Debt | Common Debt Types Sold | Typical Sale Price (% of Face Value) |
|---|---|---|
| Credit card companies | Credit card debt | 1% to 10% |
| Hospitals and medical providers | Medical debt | 1% to 15% |
| Utility companies | Utility arrears | 5% to 20% |
| Auto lenders | Deficiency balances | 5% to 25% |
| Student loan servicers (private) | Private student loans | 1% to 15% |
The low sale price explains why this business exists. Debt buyers gamble that they can collect more than they paid, even on accounts the original creditor gave up on.
Is It Legal to Sell Debt?
Yes, selling debt is legal in the United States. The practice is regulated but not prohibited by federal law or any state law currently in effect as of 2026.
Debt sales are governed primarily by the FDCPA and CFPB Regulation F, which took effect in November 2021. Regulation F updated and clarified many FDCPA rules for modern debt collection, including rules that apply to debt buyers who purchase and then collect on accounts.
The key legal concept is “assignment.” When a debt is sold, the right to collect is assigned from the original creditor to the buyer. This is the same legal mechanism used in business contracts everywhere. A debt is a contractual obligation, and contract rights can be transferred.
Key legal point: The sale itself is legal. The collection behavior afterward must comply with the FDCPA, state law, and CFPB Regulation F. Violations after the sale are where consumers have real legal recourse.
Consumers sometimes assume that because they never agreed to deal with the new collector, the debt is invalid. That assumption is wrong. The debt survives the sale intact, assuming the original debt was valid in the first place.
Is Selling Debt Legal in the US?
Selling debt is legal in the US at the federal level, and no state has passed a law banning the practice outright as of 2026. What states have done is layer additional consumer protections on top of federal rules.
The US debt buying industry is enormous. The Federal Trade Commission has reported that debt buyers collectively purchase billions of dollars in face-value debt each year, paying a small fraction of that amount. The industry includes major publicly traded companies and thousands of smaller operations.
The CFPB has authority to supervise large debt collectors, including debt buyers with more than 10 million dollars in annual receipts. This gives the bureau real enforcement power over the biggest players in the industry.
| Governing Authority | What They Regulate | Enforcement Power |
|---|---|---|
| CFPB | Debt buyers over $10M annual receipts | Fines, consent orders, cease operations |
| FTC | All debt collectors, including smaller buyers | Civil penalties up to $51,744 per violation (2024 adjusted) |
| State Attorneys General | State-specific violations | Fines, injunctions, license revocation |
| Federal District Courts | Private consumer lawsuits | Damages up to $1,000 per FDCPA violation |
The fact that it’s legal doesn’t mean it’s unregulated. The regulatory net around debt sales is tighter than most people realize.
Key Takeaway: Selling debt is legal across the United States under federal law. The CFPB and FTC both have enforcement authority over the debt buying industry, and violations can result in significant financial penalties.
Can a Company Sell Your Debt Without Telling You?
Yes, a company can sell your debt without telling you before the sale happens. There is no federal law requiring prior notice to the debtor before a debt sale is completed.
This surprises a lot of people. You can wake up one day, never having received a warning, and your debt is now owned by an entirely different company. The original creditor has no legal obligation to warn you in advance.
What the law does require is notice after the sale. Once a debt buyer acquires your account and begins collection activity, the FDCPA requires the new collector to send you a written notice within five days of first contacting you. That notice must include the amount owed, the name of the creditor, and your right to dispute the debt.
Quick Facts:
- No pre-sale notice is required under federal law
- Post-contact notice from the new collector is required within 5 days under 15 U.S.C. 1692g
- Some credit card agreements mention the possibility of debt assignment in the fine print
- California and a few other states have additional notification rules that provide slightly more protection
- You have 30 days after receiving the written notice to request debt validation
The absence of pre-sale notice is one of the most common consumer complaints about the debt buying industry. It feels like being sold without your knowledge, because you are.
What Laws Govern Debt Sales in the US?
Debt sales in the US are governed by a combination of federal statutes, CFPB regulations, FTC rules, and state-level consumer protection laws.
The primary federal law is the Fair Debt Collection Practices Act (FDCPA), enacted in 1977 and codified at 15 U.S.C. 1692 et seq. The FDCPA applies to third-party debt collectors, which includes debt buyers. It sets the rules for how they can contact you, what they can say, and what they cannot do.
CFPB Regulation F, effective November 30, 2021, modernized FDCPA rules to address digital communication, electronic notices, and clarified validation requirements. Debt buyers must comply with Regulation F just like any other collector.
| Law / Regulation | What It Covers | Who It Protects |
|---|---|---|
| FDCPA, 15 U.S.C. 1692 | Collection behavior, notice, dispute rights | All US consumers |
| CFPB Regulation F (2021) | Modern FDCPA updates, digital contact rules | All US consumers |
| FTC Act Section 5 | Unfair or deceptive practices | All US consumers |
| Gramm-Leach-Bliley Act | Privacy of financial data during debt sale | All US consumers |
| State FDCPA equivalents | Additional state protections | State-specific consumers |
| HIPAA (medical debt) | Privacy of health data during sale | Medical debt consumers |
The Gramm-Leach-Bliley Act also matters here. It restricts how financial institutions can share and sell personal financial data, including debt account information. Selling your debt in a way that improperly discloses your financial data can trigger Gramm-Leach-Bliley violations in addition to FDCPA issues.
FDCPA Rules on Debt Sales
The FDCPA does not ban debt sales, but it places strict rules on what debt buyers can do after they purchase a debt. Violating these rules gives you the right to sue for damages.
Under 15 U.S.C. 1692g, a debt buyer who contacts you must send a written validation notice within five days. That notice must state the amount of the debt, the name of the creditor to whom the debt is owed, and your right to dispute the debt within 30 days.
Under 15 U.S.C. 1692e, debt buyers cannot make false or misleading statements. They cannot claim to collect a debt that does not legally exist, inflate the amount owed, or misrepresent who they are or who you owe the money to.
Under 15 U.S.C. 1692f, debt buyers cannot use unfair or unconscionable means to collect. This includes collecting amounts not authorized by the original agreement or permitted by law.
FDCPA Violation Damages:
- Actual damages (money you lost because of the violation)
- Statutory damages up to $1,000 per lawsuit
- Attorney’s fees and court costs if you win
- Class action damages up to $500,000 or 1% of net worth
The FDCPA applies to debt buyers who regularly collect debts owed to others. Most debt buyers easily meet this definition, which means the full force of the FDCPA applies to them.
Key Takeaway: FDCPA rules on debt sales focus on what happens after the purchase. Debt buyers who send false notices, inflate debt amounts, or skip the validation notice requirement face real legal liability under federal law.
Is It Illegal to Sell Debt Without Notifying the Debtor?
It is not illegal to sell debt without notifying the debtor before the sale. However, failing to provide required notices after collection begins is illegal under the FDCPA.
This is a distinction that trips people up. The law does not protect you from being surprised by a debt sale. The law does protect you from being contacted by a new collector who doesn’t identify themselves, doesn’t tell you what you owe, and doesn’t inform you of your rights.
Some original creditors choose to notify debtors when a sale is imminent, often through a letter saying the account has been transferred or assigned. That’s a business practice, not a legal requirement for the seller.
The legal requirement falls on the buyer. Once that debt buyer makes contact with you, the FDCPA clock starts ticking. They have five days to get that written validation notice in your hands.
Quick Facts:
- Selling debt without pre-sale notice: legal under federal law
- Collecting debt without sending the 5-day validation notice: illegal under FDCPA 1692g
- Collecting debt while misrepresenting the amount owed: illegal under FDCPA 1692e
- Contacting you without identifying the debt buyer’s true name: illegal under FDCPA 1692e(14)
- Failing to honor a debt validation request within 30 days: illegal under FDCPA 1692g(b)
What Rights Do You Have When Your Debt Is Sold?
When your debt is sold, you retain the same rights you had with the original creditor, plus the additional protections the FDCPA gives you specifically against third-party collectors.
Your most important right is the right to request debt validation. Within 30 days of receiving the collector’s written notice, you can send a written request asking the debt buyer to prove the debt is valid, that the amount is accurate, and that they have the legal right to collect it. The collector must stop collection efforts until they provide that verification.
You also have the right to dispute the debt. If you believe the debt is not yours, the amount is wrong, or the debt is too old to be legally enforceable, you can dispute it in writing. The collector must investigate and cannot continue reporting it to credit bureaus as valid during the investigation.
| Your Right | Legal Source | What It Means Practically |
|---|---|---|
| Debt validation request | 15 U.S.C. 1692g | Collector must prove the debt before continuing |
| Right to dispute | 15 U.S.C. 1692g(b) | Forces investigation, pauses collection |
| Right to cease contact | 15 U.S.C. 1692c(c) | Send a letter; collector must stop calling |
| Right to sue for violations | 15 U.S.C. 1692k | Up to $1,000 statutory damages plus attorney fees |
| Right to CFPB complaint | CFPB authority | Federal investigation can result in penalties |
| Right to accurate credit reporting | Fair Credit Reporting Act | Disputed debts must be investigated by bureaus |
Your right to cease contact is powerful and underused. A written letter telling the collector to stop contacting you ends their calls and letters. They can still sue you, but they cannot harass you.
Can Creditors Legally Sell Your Debt to Collectors?
Yes, creditors can legally sell your debt to collectors. This right is typically built into the original credit agreement you signed when you opened the account.
Look at the fine print of any credit card agreement, medical billing consent form, or loan document. You’ll almost always find language that says the creditor reserves the right to assign, transfer, or sell your account to a third party. You agreed to this when you signed up for credit.
The original creditor becomes the “original creditor” and steps out of the picture once the sale is complete. Their relationship with you ends. The debt buyer steps in as the new party with the right to collect.
Think of it like selling a promissory note. The debt is a piece of paper saying you owe money. That paper can change hands. The underlying obligation you agreed to stays the same, but the person you owe it to has changed.
Quick Facts:
- Most credit agreements contain debt assignment clauses
- The creditor does not need your permission to sell if the agreement permits assignment
- The sale does not increase or change the amount you originally owed
- Any agreements or settlements you reached with the original creditor should transfer to the buyer, though disputes about this happen regularly
- If the original debt was invalid, the sold version is also invalid
Key Takeaway: Creditors can legally sell your debt to collectors because most credit agreements give them that right from day one. The sale does not wipe out the debt or change what you owe, but it does trigger FDCPA protections you can use against the new collector.
What Happens When Your Debt Is Sold to a Collection Agency?
When your debt is sold to a collection agency, several things change at once, and knowing what they are helps you respond correctly.
First, the original creditor closes your account and removes it from their books as an active receivable. They have already been paid by the debt buyer, so their interest in collecting from you is gone. Do not make payments to the original creditor after the sale; those payments may not reach the correct party.
Second, the new collection agency takes over all rights to collect. They may contact you by phone, mail, email, or text under CFPB Regulation F rules. They can attempt to collect the full original balance, plus any fees or interest allowed by the original agreement and state law.
Third, the sale may trigger a new entry on your credit report. The debt buyer may report the collection account to the major credit bureaus. This is separate from any entry the original creditor made. Two negative entries for the same debt can appear on your report, which is legal but subject to dispute if the information is inaccurate.
Quick Facts:
- Stop paying the original creditor and get the new collector’s name in writing
- Request a debt validation letter within 30 days of first contact
- Check your credit report for new collection entries
- Do not ignore contact from the debt buyer; ignoring it does not make the debt disappear
- The debt buyer can sue you in court if you do not pay or settle
Can a Debt Buyer Collect on Old Debt?
A debt buyer can attempt to collect on old debt, but their legal ability to enforce it in court is limited by the statute of limitations. Collection calls are legal even on old debt. Suing you in court is not, once the statute has expired.
The statute of limitations on debt varies by state and debt type. For credit card debt, it ranges from three years in states like Delaware to ten years in states like Kentucky. Once that window closes, the debt is “time-barred.” The debt buyer cannot win a lawsuit to collect it.
But here’s what many people don’t know. Making a payment on a time-barred debt, or even acknowledging the debt in writing, can restart the statute of limitations in some states. That turns an unenforceable old debt into a fresh, collectible one.
| State | Statute of Limitations (Credit Card Debt) | Can Payment Restart the Clock? |
|---|---|---|
| California | 4 years | Yes |
| Texas | 4 years | Yes |
| New York | 3 years | Yes |
| Florida | 5 years | Yes |
| Illinois | 5 years | Yes |
| Ohio | 6 years | Yes |
| Kentucky | 10 years | Yes |
If a debt buyer sues you on a time-barred debt, you must raise the statute of limitations as a defense in court. Ignoring the lawsuit means they win by default, regardless of how old the debt is.
Debt Sale and the Statute of Limitations
The statute of limitations affects debt sales in two critical ways: it limits the debt buyer’s ability to sue, and it does not stop them from trying to collect informally. Understanding both sides prevents costly mistakes.
When a debt buyer purchases an old account, they are betting that enough debtors will pay voluntarily or not realize the debt is time-barred. Plenty of people pay debts they no longer legally have to pay simply because they don’t know their rights.
The CFPB issued rules under Regulation F that require debt collectors to disclose when a debt is time-barred. If a collector tries to collect a time-barred debt, they must tell you that they cannot sue you for it and that any payment you make may restart the clock. This rule adds real consumer protection that did not exist under the original FDCPA.
Quick Facts:
- Statute of limitations runs from the date of last activity, typically the last payment
- Time-barred debt can still be reported to credit bureaus for up to 7 years from the default date under the Fair Credit Reporting Act
- Paying a time-barred debt does not remove it from your credit report
- In some states, a partial payment restarts the clock; in others, only a written acknowledgment does
- A collector who sues on a time-barred debt may be violating the FDCPA (15 U.S.C. 1692e and 1692f)
Key Takeaway: The statute of limitations protects you from being sued on old debt, but it does not stop collection calls. Know your state’s clock, and never make a payment on old debt without understanding whether it will restart the limitations period.
Is It Legal to Sell Medical Debt?
Yes, it is legal to sell medical debt in the United States, but the rules around how that sale can be conducted are stricter than for other types of debt. HIPAA adds an important layer of complexity.
Hospitals and medical providers sell unpaid accounts to debt buyers regularly. The debt buyer then attempts to collect. This is legal under the same framework that governs all debt sales.
However, medical debt involves protected health information (PHI) under HIPAA. When a medical provider sells a debt account, they must limit the health information shared with the buyer to what is necessary for collection purposes. Sharing more than the minimum necessary health information is a HIPAA violation, separate from any FDCPA issue.
The credit reporting landscape for medical debt has also shifted significantly. As of 2025, the CFPB finalized a rule removing medical debt from credit reports entirely, a change that took effect in 2025 and carries into 2026. If that rule withstands legal challenges, debt buyers who purchase medical debt will find their credit reporting leverage severely reduced.
Quick Facts:
- Selling medical debt is legal but governed by both FDCPA and HIPAA
- Only the minimum necessary health information can be shared in a medical debt sale
- The CFPB’s 2025 rule removing medical debt from credit reports, if upheld, changes the collection calculus for debt buyers
- Medical debt under $500 was already excluded from major credit reports by the three big bureaus in 2023
- Patients’ rights to dispute medical billing errors carry over after a debt sale
Can a Company Sell Charged-Off Debt?
Yes, a company can legally sell charged-off debt. In fact, charged-off debt is the most commonly sold type of debt in the United States.
A charge-off happens when a creditor writes an account off as a loss, usually after 180 days of non-payment for credit cards. The charge-off is an accounting entry; it does not erase the debt. You still legally owe it. The creditor has simply given up trying to collect it directly.
After charging off the account, the creditor typically sells it to a debt buyer at a steep discount, often between one cent and ten cents on the dollar. The debt buyer acquires the full face value of the debt for that tiny price.
The charge-off notation stays on your credit report for seven years from the original delinquency date, regardless of how many times the debt is sold after that. Multiple collection entries may appear, but the seven-year clock does not reset with each sale.
| Stage | What Happens | Credit Report Impact |
|---|---|---|
| Account goes delinquent | Creditor begins collection | Negative mark appears |
| 180 days without payment | Creditor charges off the account | Charge-off notation added |
| Debt sold to debt buyer | Buyer acquires right to collect | New collection entry may appear |
| Debt sold again (resale) | New buyer acquires the account | Another collection entry possible |
| 7 years from original default | All entries must be removed | Debt falls off credit report |
Illegal Debt Collection Practices After a Sale
Illegal debt collection practices after a debt sale are common enough that the CFPB receives hundreds of thousands of complaints annually. Buying a debt does not give the new collector a blank check to act however they want.
The most frequently reported illegal practices include: calling before 8 a.m. or after 9 p.m. local time (prohibited by FDCPA 1692c), threatening arrest or criminal prosecution for a civil debt (prohibited by FDCPA 1692e), using profane or abusive language (prohibited by FDCPA 1692d), and continuing to collect after receiving a written dispute without providing validation (prohibited by FDCPA 1692g).
Suing on a time-barred debt or filing suit in a jurisdiction where you don’t live or where the original contract was not signed are both FDCPA violations as well.
| Illegal Practice | FDCPA Section Violated | Penalty Exposure |
|---|---|---|
| Calling outside 8 a.m. to 9 p.m. | 15 U.S.C. 1692c(a)(1) | Statutory damages up to $1,000 |
| Threatening arrest for civil debt | 15 U.S.C. 1692e(4) | Statutory damages up to $1,000 |
| Collecting inflated amounts | 15 U.S.C. 1692f(1) | Statutory damages up to $1,000 |
| Suing in improper venue | 15 U.S.C. 1692i | Statutory damages up to $1,000 |
| Ignoring validation request | 15 U.S.C. 1692g(b) | Statutory damages up to $1,000 |
| Contacting you after cease request | 15 U.S.C. 1692c(c) | Statutory damages up to $1,000 |
Each violation is separate. A collector who calls you after 9 p.m. and threatens arrest in the same call has committed two violations. Courts have awarded cumulative damages for multiple violations in a single case.
Key Takeaway: Illegal debt collection practices after a sale are among the most actionable consumer rights violations in federal law. Each FDCPA violation carries up to $1,000 in statutory damages, and you can sue in federal court without hiring a lawyer first.
State Laws on Debt Collection After Debt Sale
State laws on debt collection add consumer protections that go beyond what the FDCPA requires, and in some states, those protections are significantly stronger.
California’s Rosenthal Fair Debt Collection Practices Act applies to original creditors as well as third-party collectors, unlike the federal FDCPA. That means even the company you originally borrowed from must follow fair collection rules in California. California also requires debt buyers to provide more detailed documentation before filing a lawsuit.
New York requires all third-party debt collectors operating in the state to hold a license issued by the New York City Department of Consumer and Worker Protection, if operating in New York City, or comply with New York State’s General Business Law Article 29-H. Unlicensed collection is illegal regardless of whether the underlying debt is valid.
| State | Key Additional Protection | Governing Law |
|---|---|---|
| California | Rosenthal Act covers original creditors too | Cal. Civil Code 1788 et seq. |
| New York | Debt buyer licensing required | NY GBL Article 29-H |
| Texas | Prohibits certain unfair collection tactics beyond FDCPA | Texas Finance Code Chapter 392 |
| Colorado | Debt collection license required for collectors | Colorado Fair Debt Collection Practices Act |
| Florida | Prohibits publishing a list of debtors | Florida Consumer Collection Practices Act |
| Illinois | Extends protections to more types of debt | Illinois Collection Agency Act |
If you live in one of these states, you may have stronger rights than the FDCPA baseline gives you. A state-level violation can be pursued in state court, sometimes with higher damages than federal FDCPA claims allow.
Can You Stop a Company From Selling Your Debt?
No, you generally cannot stop a company from selling your debt once you are in default and they have the contractual right to do so. There is no federal law that gives consumers a veto over debt sales.
The right to sell the debt is built into the original agreement. Short of paying off the debt or settling it before the sale happens, there is no legal mechanism to block the transaction.
What you can do is act before the debt reaches a collection agency. If you know you are falling behind, contact the original creditor and try to negotiate a payment plan, settlement, or hardship arrangement. Creditors often prefer to work something out rather than sell the debt at a steep discount.
Once the debt has been sold, the focus shifts from stopping the sale to managing your rights with the new collector. Request debt validation immediately. Dispute anything that is inaccurate. Know your state’s statute of limitations. Send a cease-contact letter if the harassment becomes overwhelming.
Quick Facts:
- You cannot legally block a debt sale once you are in default
- Paying the debt in full before a sale prevents the sale entirely
- Settling the debt for less than the full amount before a sale is also an option
- Some states’ consumer protection laws give you the right to request information about the sale after it happens
- Filing for bankruptcy triggers an automatic stay that halts all collection activity, including by new debt buyers, temporarily
Frequently Asked Questions
Is it illegal for a company to sell your debt to a collection agency?
No, it is not illegal for a company to sell your debt to a collection agency.
Debt sales are a legal and common practice in the United States under federal law.
The original creditor typically has the contractual right to do this built into your original agreement.
What becomes illegal is how the new collection agency behaves after the purchase, not the sale itself.
Do companies have to notify you before selling your debt?
No, companies are not required by federal law to notify you before selling your debt.
There is no pre-sale notice requirement under the FDCPA or any other federal statute.
The new debt buyer must send you a written validation notice within five days of first contacting you, under 15 U.S.C. 1692g.
Some states require additional notices, but no state currently mandates pre-sale notification to the debtor.
What rights do you have after your debt is sold?
After your debt is sold, you have the right to request debt validation within 30 days of the collector’s first written notice.
You also have the right to dispute the debt, demand that the collector cease contact, and sue for FDCPA violations.
The Fair Credit Reporting Act protects your right to accurate credit bureau reporting of the sold debt.
Each of these rights exists regardless of whether the original debt was valid.
Can a debt buyer legally collect a debt that is past the statute of limitations?
A debt buyer can contact you about a time-barred debt, but they cannot legally sue you to collect it.
The statute of limitations varies by state and debt type, ranging from three to ten years in most states.
CFPB Regulation F requires collectors to disclose when a debt is time-barred before attempting collection.
Making a payment on a time-barred debt can restart the statute of limitations in many states, so get legal advice before paying anything on old debt.
What should you do if a debt collector contacts you about a debt you don’t recognize?
Send a written debt validation request within 30 days of receiving the collector’s notice.
The collector must stop all collection activity until they provide documentation proving the debt is valid and they have the right to collect it.
Check your credit report at AnnualCreditReport.com to see if the debt appears and matches any account you recognize.
File a complaint with the CFPB if the collector refuses to validate the debt or continues collecting without proper documentation.
Closing
Debt sales are legal. That’s the short answer. But legal doesn’t mean unregulated, and knowing the rules is what separates people who get taken advantage of from people who protect themselves.
The FDCPA, CFPB Regulation F, and a growing number of state laws give consumers real power against debt buyers who step out of line. Bookmark this article so you have it handy if a collector ever contacts you about a debt you weren’t expecting.
