GETTING OUT OF DEBT
Borrowing money and paying by credit card can be so easy that you can forget you've taken on debts you must pay back with interest. When debt increases, so do your monthly repayments. There are ways you can handle debt and eventually become debt free. 
Tips to reducing your debt
Can't seem to get out of debt? Speak with a credit counselor
Is bankruptcy right for you?
Beware of scams that promise to help you "get out of debt quickly"

DEALING WITH DEBT COLLECTORS
Any business collecting debts from New York City residents must be licensed by the Department of Consumer Affairs (DCA). New York City law provides the strongest anti-harassment protection in the country. Know your rights and collectors' responsibilities.
Quick tips on handling a debt collection notice
Important new information for consumers about debt collectors
Download DCA's Debt Collection Guide (in PDF)
File a complaint  against a debt collector