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FAQ: Know Your Rights with Credit

As a DC consumer, you have rights when dealing with debt collectors and credit. To protect those rights when they are threatened, it is important that you act or get help. Here are some guidelines to keep in mind.

Frequently Asked Questions About Student Loans

Information about how to obtain student loans, repayment requirements, and what do do if you cannot repay your loans.

Information about Debt Collection Practices

If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." If you fall behind in repaying your creditors, or an error is made on your accounts, you may be contacted by a "debt collector." Many people are unable to pay their debts on time, and debt is not always within your control. A federal law, the Fair Debt Collection Practices Act, requires that debt collectors treat you fairly, and doesn't allow certain kinds of debt collection. Of course, the law does not erase any legitimate debt you owe. In addition to the federal law, D.C. has its own debt collection law, D.C. Code §28-3814.

Protecting Your Disability Benefits from Creditors

Brief information on obtaining benefits and step-by-step information on how to protect your benefits from creditors.

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