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Know
Your Rights
The Fair Debt Collection Act
Can’t call before 8 AM or after 9 PM
Can’t call at work if requested not to
Shouldn’t use abusive language (gray area)
Can call on Sundays
Different rights or rules for each state
Other Things
To Know
The collector has more experience
Don’t make promises you can’t keep
Keep in contact with the institution
Don’t make them mad (they’ll win)
Our new spending
plan
Must
be comprehensive
The best defense is a good offense
Stay goal-focused
Common threats
to reaching your financial goals
Poor self-control
Unexpected expenses
No plan for major purchases
No plan for irregular bills
Excessive debt levels
Unrealistic “cash flow” timing
Confusion over priorities
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