"Most families face debt at some time or another. Losing a job, losing public assistance benefits, sudden medical bills, or divorce can push a family into debt. There are many ways creditors can try to collect debts. Two of the most common ways are when they use a collection agency, and when they file a lawsuit. These methods are discussed in this booklet. Debt collectors often use pressure tactics that can make a stressful situation worse -- and sometimes violate the law. This booklet was written to help families struggling with debt by explaining consumer rights and providing resources. This booklet is a brief guide and is not meant to answer all legal or financial questions"--Provided by publisher.