The worst thing you can do while rebuilding or repairing your credit is ignore a call from a debt collector; Sometimes you have to take the call. In Chapter 5, you will learn how to take control of the collection process. Debt Collectors must follow certain rules and when you know these rules, you will feel more confident in dealing with them. The Fair Debt Collection Practices Act (FDCPA) regulates what collectors can and can’t do. By knowing what this law states, you can protect yourself from abuse and threats. When you know your rights and insist on being treated fairly, you can negotiate a payment schedule that fits your budget.

Chapter 5 will offer solutions such as how to handles calls and threatening letters to how to craft a repayment proposal. You will also learn how to keep a small collection annoyance from becoming a major and upsetting life event.