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Debt Collection

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Co-signing a Loan - Facts for Consumers

What would you do if a friend or relative asked you to cosign a loan? Before you answer, make sure you understand what cosigning involves. Under federal law, creditors are required to give you a notice that explains your obligations. This site includes that notice and other information.

Dealing with Debt Collection Harrassment

If you are being harrassed by debt collectors, you should consider taking one or more of the eight steps in this brochure. Also in Spanish/Español (You must have a PDF reader on your computer to open this document. To get Adobe’s PDF Reader, click on the Get Adobe Reader icon to download.)

Debt Collection Videos

If you have received court papers from someone who says you owe them money, these videos explain what to expect.

Fair Debt Collection Practices

If you use credit cards, owe money on a personal loan or are paying on a home mortgage, you are a "debtor." If you fall behind in making payments, a "debt collector" may call or write to you. Federal law says debt collectors must treat you fairly. This document explains how you are protected by the Fair Debt Collection Practices Act.

Debt Collection Videos

If you have received court papers from someone who says you owe them money, these videos explain what to expect.

Answer to Complaint

PS-19: Do NOT use this form for Evictions OR Divorces. If you are being sued, a Plaintiff listed you in the Complaint. If you disagree with the Plaintiff's claims, you MUST fill out and deliver this Answer by the deadline. You must also tell the court how you want to handle the case. Please read the form for more information.

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