Falling behind on your bills? Even if you owe more
than you can handle, you still have rights. Most legit debt collectors
follow the rules, but bad debt collectors don’t. They break the law. So if you get a call like this– –If you don’t pay, we will
have you arrested and deported. Or this– –This is your final warning. Pay up now or we’ll contact
your employer and make them pay. Hang up and report it to the
Federal Trade Commission. You have the right to be
treated fairly no matter what. That means debt collectors
can’t use abusive language, threaten violence,
or harass you. Or call you before 8:00 in the
morning or after 9:00 at night. They can’t lie or pretend
to be someone they’re not. I’m an attorney and we’ll
take legal action if you don’t pay this debt right away. Or get you to pay a debt
that doesn’t even exist. They can’t have you
arrested or deported or tell anyone about your debt. Bad debt collectors
like to knock you off your guard to
get an advantage, create a sense of
urgency, and rush you. They’ll say anything to
get you to pay right now. Instead, hang up and report it
to the Federal Trade Commission at ftc.gov/complaint. We’ve stopped a lot of
bad debt collectors. Help us stop more. For more information
about debt collection, visit consumer.gov/debt. [MUSIC PLAYING]