Understand Your Rights
The Fair Debt Collection Practices Act (FDCPA) makes it illegal for debt collectors to harass, oppress, or abuse any debtor. You have the right to tell the debt collector to stop calling. The FDCPA protects debtors against abusive collection tactics by debt collectors, but it does not apply to your original creditor. If the debt collector engages in harassment, let us know because you may be entitled $1000 or more, as well as the cost for court and attorney fees.
Things Debt Collectors Cannot Do
The Fair Debt Collection Practices Act, more commonly referred to as the FDCPA, is a federal law that defines how debt collectors can act when collecting a debt from you. There are often state laws that provide extra protection.
– Call before 8 AM or after 9 PM
– Make anonymous calls
– Use artificial voices
– Use abusive or vulgar language
– Threaten to press criminal charges
– Call you at times they know are inconvenient for you
– Illegally tell third-parties about your debt