A story in Spanish about debt collection rights
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 ftc.gov/bulkorder. You also can see, read and download them at ftc.gov/fotonovela.