Many Americans hear calls from debt collectors or receive letters in the mail reminding them of some money they have yet to pay. Know that harassment is not legal, and that debtors are protected by certain laws from debt collectors who are abusive, unfair, or deceptive in their methods for receiving a payment. How Debtors Are Protected The Federal Trade Commission (FTC) is the agency protecting the rights afforded to all consumers; and they are also tasked with upholding the

A security deposit is any money a landlord takes from a tenant other than the advance payment of rent. The security deposit serves to protect the landlord if the tenant breaks or violates the terms of the lease or rental agreement. It may be used to cover damage to the property, cleaning, key replacement, or back rent. The security deposit can often be a major source of disagreement between a tenant and a landlord. Below are some guidelines regarding what a landlord can and c