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Credit.com: These are the biggest complaints about debt collectors

A strong federal law, the Fair Debt Collection Practices Act, protects consumers against certain unfair collection practices. It applies only to outside, or third-party debt collectors (not creditors collecting their own debts) and only for personal (not business) debts. State laws may provide additional protection.

In its 2018 annual report to Congress about debt collection complaints, the Consumer Financial Protection Bureau described collection complaints received by the Federal Trade Commission.

In 2018, the FTC received 84,500 complaints about debt collectors — down from 88,000 in 2017. A complaint does not mean a law has been broken, and some complaints may be the result of overseas debt collection scammers who harass consumers.

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