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But you should first consult a qualified credit counselor.

This includes money owed on personal credit card accounts, auto loans, medical bills, and mortgages.

The FDCPA does not cover debts incurred in running a business.

Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act.

Your state Attorney General’s office can help you find out your rights under your state’s law.

With a home equity loan, the lender advances you the total loan amount upfront, while a home equity credit line provides a source of funds that you can draw on as needed.