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What can I do about debt collectors calling me?

Debt collection companies are subject to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.  These laws protect consumers from certain business practices, including harassment or threats by debt collectors or collection agencies.  The law also provides for penalties against businesses that violate these laws.  However, if the original creditor is contacting you regarding its debt, the creditor may not be subject to these federal laws.

If you have concerns regarding debt collection, visit the Federal Trade Commisssion.  If you feel that a debt collector has violated these laws, you may also want to consult with an attorney to determine your legal remedies.   In addition, these businesses are required to be registered and bonded as a collection agency with the Utah Division of Corporations and Commercial Code.