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Message: From GoLocalProv by Susan G. Pegden and Sean P. Feeney, GoLocalProv Legal Contributors: There’s an old joke – if you think no one cares if you are dead or alive, try missing a few payments on your bills. Generally speaking, after about three to six months of non-payment, creditors will turn an unpaid bill over to a debt collector. These collectors are subject to the Fair Debt Collection Practices Act (FDCPA), a federal law that protects consumers from deceptive, unfair and abusive collection practices. http://www.golocalprov.comhttp://beta.golocalprov.com/legal-matters-debt-collection-what-are-your-rights