Consumer Resources

A customer is the most important visitor on our premises; he is not dependent on us.  We are dependent on him.  He is not an interruption in our work.  He is the purpose of it.  He is not an outsider in our business.  He is part of it.  We are not doing him a favor by serving him.  He is doing us a favor by giving us an opportunity to do so.    Mahatma Gandhi

Consumer Links

 
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Ask Doctor Debt is ACA International’s Education Foundation’s FREE, friendly and confidential resource for consumers.  Click here to go to ‘Ask Doctor Debt’ where you can quickly find straightforward answers to your credit and debt questions.  You will find resources and information to help you work through your debt questions.

Ask Doctor Debt is available in ENGLISH or SPANISH

For ENGLISH click on the logo below:
      

Para ESPAÑOL, haga clic en el logotipo a continuacion:
   

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For questions about the Fair Debt Collection Practices Act (FDCPA):
Fair Debt Collection Practices Act (FDCPA)

For question about the Fair Credit Reporting Act (FCRA):
Fair Credit Reporting Act (FCRA)

For question concerning identity theft, Federal Trade Commission:
Federal Trade Commission
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Committed to treating customers with dignity and respect.

Collector’s Pledge

I believe every person has worth as an individual.
I believe every person should be treated with dignity and respect.
I will make it my responsibility to help consumers find ways to pay their debts.
I will be professional and ethical.
I will commit to honoring this pledge.
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