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  • What is the Fair Debt Collection Practices Act (FDCPA)?

    It’s a federal law that protects consumers from harassment or threats made by creditors and prohibits creditors from making false statements. This law also prohibits a debt collector from disclosing what you owe to anyone but your attorney.

  • What is a judgment?

    A judgment is a decision issued by the court at the end of a lawsuit. If you are sued and either don’t file papers or file papers but eventually lose the case, the person who sued you will get a judgment.

    Most creditors need a court judgment to attach your wages or put a lien on your property.

  • What is a “charge off?” If my debt has been “charged off,” can a creditor pursue collection?

    When an account is considered uncollectable, a creditor will write it off as a bad debt or “charge off.” Depending on each creditor’s policy, a “charge off” will occur between 90 to 180 days after you become delinquent.

    However, a creditor can still pursue collection of the debt after a “charge off” and it will also be reported to the credit bureaus.