Are you familiar with the Federal Debt Act?It applies to creditors and their agencies who collect debts in their behalf. Here is a brief overview of what the Act includes:After the first 5 days of being contacted from the collection agency, the collector must send you a notice detailing the full name of the creditor, how much you owe and what action they will take if you don't pay.If you owe - contact the creditor and make arrangements to pay it  [ ... ]