BAKERSFIELD, Calif. (KERO) — Debt collector calls: Scam or real? You have rights!

Better Business Bureau

*File collection agency complaints and check reviews at BBB.org. See more Scam Prevention videos at joeknowsbetter.com

It can be frustrating and scary to fall behind in payments on credit cards or other accounts. When the calls from collection agencies start, it adds a new level of stress. Don't panic. Instead, understand your consumer rights, learn what collection agencies can and cannot do, and then take steps to resolve the issue.

The first thing to understand is that debt collection process rules are in place to protect consumers.

The Federal Trade Commission (FTC) enforces the Fair Debt Collection Practices Act (FDCPA) in the United States. The FDCPA prohibits debt collecto

See Full Page