Your rights in dealing with creditors and the restrictions on actions taken by debt collectors are covered by the
federal law called the Fair Debt Collection Practices Act ("FDCPA").

You may download a copy of the FDCPA
 here    (pdf format)

You can get
Plain English explanations to the FDCPA as well as examples of Forms and Letters to Creditors
to stop creditors cold in
Plain English Seminars on

Dealing with Creditors

and

Complete Guide to Personal Credit
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Fair Debt Collection Practices Act
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