The Debt Collection Playbook
Proof is Power
Contracts, invoices, texts, emails… gather all evidence of the debt.
Time is Your Ally (and Their Enemy)
Interest accrues. Late fees may apply. The longer they wait, the more they may owe.
Track Every Penny
Principal, interest, late fees… don't miss a dollar.
The Debtor's Options
Many states allow you to recover collection costs, including attorney fees in some cases. Know your rights.
Debt Collection Laws
Applicable Laws
- FDCPA
- Vermont Consumer Protection Act - 9 V.S.A. § 2451
- Vermont Debt Collection Regulations
Small Claims Limit
$5,000
Consumer Protection Agency
Vermont AG / CFPB
Rutland County Debt Collection Resources
Local Court Information
Rutland Superior Court - Small Claims
Filing Fee: $75-$150
Local Consumer Protection
Vermont AG / CFPB
Serving: Rutland, Killington, Brandon, Fair Haven, Castleton
Collection Combat FAQ
When Do I Strike?
After the second broken promise. Time to get serious.
What If They Ignore It?
Then you may need to consider legal action. Consult an attorney.