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Your state Attorney General’s office can help you find out your rights under your state’s law.
Consolidation means that your various debts, such as credit card bills or loan payments, are rolled into one monthly payment.
If you believe you do not owe the money, contact the creditor in writing and send a copy to the collection agency informing them with a letter not to contact you.
If you have multiple credit card accounts or loans, debt consolidation through a credit counseling service can help simplify or lower your payments.
But you should first consult a qualified credit counselor.
A debt collector may not: Report any problems you have with a debt collection company to your State Attorney General's Office, the Federal Trade Commission (FTC), and the Consumer Financial Protection Bureau (CFPB).
Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act.
You may be able to lower your cost of credit by consolidating your debt through a home equity loan or home equity line of credit.