www.consumerfinance.gov Open in urlscan Pro
2600:1408:5400:58c::31d7  Public Scan

Form analysis
1 forms found in the DOM

GET https://search.consumerfinance.gov/search

<form class="m-global-search_content-form" action="https://search.consumerfinance.gov/search" method="get">
  <input type="hidden" name="utf8" value="✓">
  <input type="hidden" id="affiliate" name="affiliate" value="cfpb">
  <div class="o-form__input-w-btn">
    <div class="o-form__input-w-btn_input-container m-form-field">
      <div class="a-text-input__full input-contains-label">
        <label for="m-global-search_query" class="input-contains-label_before
                                     input-contains-label_before__search">
          <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19">
            <path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"></path>
          </svg>
          <span class="u-visually-hidden">Search</span>
        </label>
        <input id="m-global-search_query" name="query" type="search" title="Search the CFPB" class="a-text-input" value="" placeholder="Search the CFPB">
      </div>
    </div>
    <div class="o-form__input-w-btn_btn-container">
      <button class="a-btn">Search</button>
    </div>
  </div>
</form>

Text Content

Skip to main content
An official website of the United States government
 * Español
 * 中文
 * Tiếng Việt
 * 한국어
 * Tagalog
 * Pусский
 * العربية
 * Kreyòl Ayisyen

(855) 411-2372
Submit a Complaint
Search
Search Close
Search
Search
Open the main menu Close the main menu
 * Submit a Complaint
 * Consumer Education
   Back
    * Resources for Yourself
    * Resources for Helping Others
    * Coronavirus Resources
    * Consumer Complaint Database
   
   Money Topics
    * Auto Loans
    * Bank Accounts & Services
    * Credit Cards
    * Credit Reports & Scores
    * Debt Collection
    * Fraud & Scams
   
   Money Topics
    * Money Transfers
    * Mortgages
    * Payday Loans
    * Prepaid Cards
    * Reverse Mortgages
    * Student Loans
   
   Featured
    * Explore guides to help you plan for big financial goals
   
   Additional Resources
    * Submit a Complaint
    * Tell Your Story
    * Order free brochures
    * Browse Ask CFPB

 * Rules & Policy
   Back
   Rules & Policy Overview
    * Final Rules
    * Interactive Regulations
   
    * Rules Under Development
    * Notices and Opportunities to Comment
    * Regulatory Agenda
    * Petitions for Rulemaking
   
    * Competition and Innovation
    * Advisory Committees

 * Enforcement
   Back
   Enforcement Overview
    * Enforcement Actions
    * Enforcement by the Numbers
    * Investigatory Authority
   
    * Warning Letters
    * Payments to Harmed Consumers
    * Industry Whistleblowers

 * Compliance
   Back
   Compliance Overview
    * Compliance Resources
    * Advisory Opinion Program
    * Consumer Financial Protection Circulars
   
    * Supervision and Examinations
    * Supervisory Highlights
    * Supervisory Guidance
   
    * Registration & Submission Programs
    * Amicus Program
    * Consumer Complaint Program

 * Data & Research
   Back
   Data & Research Overview
    * Reports
    * Research Hub
    * Consumer Complaint Database
    * Mortgage Database (HMDA)
    * Small Business Lending Database
   
    * Public Data Inventory
    * Consumer Credit Trends
    * Mortgage Performance Trends
    * Financial Well-Being Survey
   
    * Credit Card Surveys & Agreements
    * Prepaid Account Agreements
   
   Featured
    * Help advance financial well-being

 * News
   Back
    * Press Releases
    * Speeches & Op-eds
    * Testimony
    * Statements
   
    * Blog
    * Director’s Notebook
    * Recent Updates
    * Consumer Advisories

 * Español
 * 中文
 * Tiếng Việt
 * 한국어
 * Tagalog
 * Pусский
 * العربية
 * Kreyòl Ayisyen

(855) 411-2372


DEBT COLLECTION

Debt collection issues can be challenging. You don't have to face them alone.
Our resources, including guidance on the CFPB’s Debt Collection Rule, can help
you understand how debt collection works and what your rights are.




UNDERSTAND HOW THE CFPB’S DEBT COLLECTION RULE CAN HELP YOU

On November 30, 2021, the Debt Collection Rule became effective. The rule
clarifies how debt collectors can communicate with you, including what
information they’re required to provide you.

 * Learn more about the new debt collection rule




GET STARTED


BASICS

WHY A DEBT COLLECTOR IS CONTACTING YOU

A debt collector may be trying to contact you because a creditor believes you
are past due on the payments you owe on a debt. Read more

LEARN WHAT COULD HAPPEN IF YOU AVOID A DEBT COLLECTOR

Ignoring or avoiding a debt collector is unlikely to make the debt collector
stop contacting you. If you believe you do not owe the debt, you should tell the
debt collector. Read more

LEARN ABOUT SOME EXAMPLES OF "UNFAIR" PRACTICES BY A DEBT COLLECTOR

The Fair Debt Collection Practices Act (FDCPA) says that a debt collector is not
allowed to use unfair practices in trying to collect a debt. Read more

 * Explore basics


KEY TERMS

 * Credit counselor
 * Debt Collection Rule
 * Debt collector
 * Fair Debt Collection Practices Act (FDCPA)
 * Garnishment
 * Harassment by a debt collector
 * Judgment
 * Limited-Content Message
 * Original creditor
 * Statute of limitations
 * Validation Notice
 * Explore key terms


LOOKING FOR WAYS TO HELP OTHERS WITH MONEY QUESTIONS?

 * Review the CFPB’s recent actions against debt collectors that broke the law
 * Browse our database of consumer complaints about debt collection

See more resources for outreach and engagement with the people you serve


UNDERSTAND YOUR SITUATION


COMMON ISSUES

 * You do not owe the debt or want proof of the debt
 * The debt collector is calling you non-stop
 * You are wondering whether to use a credit counselor or a debt settlement
   company
 * Explore common issues


KNOW YOUR RIGHTS

 * There are laws that limit what debt collectors can say or do
 * You have the right to tell a debt collector to stop contacting you
 * Only in rare cases can debt collectors take Social Security or VA benefits
 * Explore your rights


TAKE ACTION


HOW-TO GUIDES

 * How to reply to a debt collector
 * How to negotiate a settlement with a debt collector
 * What to do if a creditor or debt collector sues you
 * Explore how-to guides


SUBMIT A COMPLAINT

Having trouble with a financial product or service? If you've already tried
reaching out to the company and still have an issue, you can submit a complaint.
Tell us about your issue—we'll forward it to the company and work to get you a
response, generally within 15 days.


 * Start a complaint

 * Ver página en español


ABOUT US

We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency
that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you


STILL HAVE A QUESTION?

Call us if you still can’t find what you’re looking for. 

(855) 411-2372



TTY/TDD: (855) 729-2372


STAY INFORMED



Sign up for the latest financial tips and information right to your inbox.



Sign up


HOW THE CFPB IS PROTECTING YOU

 * CFPB and New York Attorney General File Lawsuit Against Illegal Nationwide
   Debt Collection Scheme
 * CFPB Orders Navy Federal Credit Union to Pay $28.5 Million for Improper Debt
   Collection Actions


PRINT RESOURCES

 * Know your rights when a debt collector calls
 * Act fast if you can't pay your credit cards


REAL STORIES ABOUT DEBT COLLECTION

Watch a video: Meet Ana

 * Share your experience with debt collection


LEGAL DISCLAIMER

The content on this page provides general consumer information. It is not legal
advice or regulatory guidance. The CFPB updates this information periodically.
This information may include links or references to third-party resources or
content. We do not endorse the third-party or guarantee the accuracy of this
third-party information. There may be other resources that also serve your
needs.


Back to top
 * About Us
 * Contact Us
 * Careers
 * Events
 * Industry Whistleblowers
 * CFPB Ombudsman

 * 
 * 
 * 
 * 
 * 

 * FOIA
 * Privacy
 * Website Privacy Policy & Legal Notices
 * Data
 * Open Government
 * Information Quality Guidelines

 * Diversity & Inclusion
 * Administrative Adjudication
 * Plain Writing
 * Accessibility
 * Office of Civil Rights
 * No FEAR Act & Cummings Act
 * Tribal

 * USA.gov
 * Office of Inspector General

An official website of the United States government

Feedback