Just because a consumer is behind in bill payments is...

Just because a consumer is behind in bill payments is no reason to take bullying from creditors. The best defense is to learn how to fight back against deceptive or abusive practices. Credit: iStock

It's bad enough when you're overwhelmed with debt, but that doesn't mean you have to take bullying from creditors. Federal agencies like the Consumer Financial Protection Bureau recently have cracked down on debt collectors' unfair, deceptive or abusive practices. You have rights.

Here's how to take on creditors.

Know too, says Heath, "You have the right to negotiate with a collection agency to settle any debt for less than what you owe."

Get the latest news and more great videos at NewsdayTV Credit: Newsday

Severe storms on tap today ... LI Works: Whole latte love ... Top H.S. sports moments this year ... Get the latest news and more great videos at NewsdayTV

Get the latest news and more great videos at NewsdayTV Credit: Newsday

Severe storms on tap today ... LI Works: Whole latte love ... Top H.S. sports moments this year ... Get the latest news and more great videos at NewsdayTV

SUBSCRIBE

Unlimited Digital AccessOnly 25¢for 6 months

ACT NOWSALE ENDS SOON | CANCEL ANYTIME