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A story in Spanish about debt collection rights

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When it comes to dealing with debt collectors, you have rights. That’s why the FTC created a new publication called Cobradores de Deuda. This Spanish-language graphic novel tells people about the rules for debt collectors, and what to do if a debt collector doesn’t follow the rules.

When we first meet our hero, Juan, he’s dealing with some questionable debt collection tactics – some of the same problems consumers tell the FTC about. Through this graphic novel, or fotonovela, Juan’s experience helps readers learn their rights – all explained through colorful drawings and simple dialogue in Spanish. Readers of the fotonovela will learn that debt collectors:

  • can’t call before 8 a.m. or after 9 p.m.
  • can’t harass you – for example, they cannot curse at you or threaten to hurt you
  • can’t lie to you or make up consequences if you don’t pay the debt
  • can’t tell anyone else about your debt – only your spouse and your attorney
  • can’t call you at work if they know your employer doesn’t allow these calls

Cobradores de Deuda is part of the FTC’s fotonovela series, a campaign that promotes consumer education and protection in the Latino community. Previous issues focused on government imposters and income scams. You can order all three free publications at You also can see, read and download them at

Blog Topics: 
Money & Credit


I would like a publication of a story in Spanish about Debt collection rights.

You can order as many copies as you need free of cost at Please allow 3-4 weeks for delivery. Thanks.

My comment in spanish: Aprecio de verdad esta informacion, porque gente del segundo loan de mi casa me habla hasta tres o cuatro veces al dia, quiero que sepan que han sacado del banco el pago de mi casa sin mi permiso, tengo prueba de ello desde el año 1999 tengo diferentes problemas con ellos, y no quieren darme el balance1629 de mi cuenta. Tengo 69 años, viuda y les agradeceria mucho me aconsejaran que hacer.

aprendiendo a abrir mi correo

creo que ahora si

Very interesting blog. This information is useful in order for me to Know my rights. Thanks!

I have a collection since 4 years back, but this agency's sold my debt to another company and shows last year (09/ 07/2017) so far is the same agency doing this, this is legal, and cost me my score going down, how can I stop this action, and fix my debt's, please help me Thank you so much.

Within five days after it contacts you for the first time, the debt collector must send you a written “validation notice.” The notice must say much money you owe, who you owe the money to, and what you can do if you think you do not owe the money.

Read about your rights and debt collection (y cobranza de deudas).

If you have an old debt, the collector might not be able to sue you to collect the debt. Read about this: Time-Barred Debts/ Deudas prescriptas.

If you think there is a mistake on your credit report, you can file a dispute with the credit reporting company. Read about this: Disputing Errors on Credit ReportsDisputando errores en los informes de credito

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