Designed to help people who are currently dealing with debt problems, or being contacted by debt collectors.

Summary
This booklet helps you understand:

• What your legal rights and responsibilities are if you owe a debt
• Where you can get help to work out your budget, negotiate a repayment plan, apply for hardship and better understand your financial and legal options
• What to do if a debt collector contacts you
• What debt collectors should not do and what you can do if you have been treated unfairly
• How to dispute a debt.