KNOW YOUR RIGHTS
DEBT
COLLECTORS
You generally have to pay money if you owe it, but that doesn’t give a debt collector or a creditor a right to do anything to make you pay.
- misleading you about what action the debt collector can take about the debt (for example telling you there is court judgment against you when there isn’t)
- sending you a summons (court document) that has not been filed with the court
- contacting you by a method (phone, work phone, email or through family) when you have asked them not to
- using or sending you any document that looks like a court or tribunal document but it isn’t one
- disclosing information about the debt to other people without your consent
- refusing to leave your home or workplace when you ask
- using physical force
- excessively harassing or pressuring you
