Debt collection laws in the United States vary from state to state, but they all have certain elements in common. If you have received a letter of demand from a creditor or fear that you will soon be hearing from a creditor, educate yourself about debt collection laws in your state and seek advice from a professional debt relief counseling service before you do anything else. Debt collection agencies will try to lead you to believe that the laws are on their side only, but they are not. Debt collection...