When debtors and creditors blow up your phone to get you to pay off debt that you owe a debt collector or an original creditor, you need a plan. Better money habits and personal finance tips for financial independence will be useful later, but now you need to know creditor tricks to get the calls to stop (and protect your credit score)! So let’s explore the dos and don’ts for dealing with creditors to get better interest rate, pay off deals and more.

 

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Check out the details of the Fair Debt Collection Practices Act: https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text