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→Protecting debtors
If you speak with any of your creditors about your situation, write down their name, number, the time of call, and what you discussed. If the person you were talking to suggests a payment plan, ask her or him to send it to you in writing.
==Protecting debtorsDebt collectors==
Sometimes the person you owe money to has turned the debt over to a debt collection agency. There are laws that protect debtors from what a debt collector can do. For example, there are strict limits on contacting your family or your employer, and you have a right to tell a collector to stop phoning you altogether.
For more information about debt collectors, contact the Credit Counseling Society. Tolltoll-free at 1-888-527-8999. Find more helpful information and links on in the "[[Helpful Information and Links for Consumers|Helpful Information and Links]]" section.
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