Pay off balances each month. If debt has accumulated, pay more than the minimum due each month, if possible Consumers who fall behind in paying creditors may be contacted by debt collectors. The Federal Fair Debt Collection Practices Act prohibits debt collectors from using harassing, oppressive or abusive tactics when attempting to collect owed money. They cannot use false statements or engage in unfair practices in the performance of their work. CCCSs are local, non-profit organizations, providing education and counseling on personal budgeting and the wise use of credit.
Services are free or for a reasonable fee.