To read these documents, you may need to download the Adobe Acrobat Reader. (opens new browser window) Consumer Resources The following are some publications produced by the American Collectors Association (ACA) to inform consumers and assist them in finding financial freedom. (Documents are PDF format.)    A Consumer's Guide to Debt Collection (105KB)    Your Rights Under the FDCPA (110KB)    What to Do When You Receive a Collection Notice (75KB)    Making the Most of Your Money - A Handbook for Young Adults (135KB) NOTE: This information is not legal advice and is intended for informational purposes only. Further resources are available for assisting those consumers who are victims of identity theft and have had their accounts assigned to collections. Website Resources:    (Each link opens a new browser window. These websites are not maintained by CCS) Ask Doctor Debt - www.askdoctordebt.com American Collectors Association - www.acainternational.org/intcontent.aspx California Association of Collectors - www.calcollectors.net Federal Trade Commission Hotline - www.consumer.gov/idtheft/ California Department of Consumer Affairs - www.dca.ca.gov Privacy Rights Clearinghouse - www.privacyrights.org Direct Marketing Association - www.the-dma.org

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