The credit card bills keep piling up and piling up and piling up. You fall behind in payments and soon the phone calls start. Then comes the lawsuit, typically initiated by a process server who comes to your home or work and hands you the summons and complaint. At this point you can choose to…

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In 2010, more than 140,000 debt collection complaints were filed with the Federal Trade Commission, which has caused federal authorities to step up scrutiny of collectors. In reality, additional regulation and oversight won’t provide immediate relief for consumers being harassed or abused. However, it helps to know your rights under the Fair Debt Collection Practices…

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