Fair Debt Collections Practices Act\r\n\r\nThe Fair Debt Collections Practices Act protects consumers from abusive collection practices. You do have rights and it\u2019s important to know them.\r\n\r\nFederal law gives you rights. For example, debt collectors CAN\u2019T:\r\n\r\n \tCall before 8 AM and after 9 PM.\r\n \tCurse or insult you.\r\n \tDemand you pay more than you owe.\r\n \tLie about anything.\r\n \tSay papers sent to you are legal forms when they are not.\r\n \tMake up consequences for not paying your debt.\r\n \tCall you at work if your employer doesn\u2019t allow it and you\u2019ve informed them in writing or verbally.\r\n\r\nIf any of the above happens, make note of the agents you are speaking with and report abusive practices and file a complaint to the Federal Trade Commission.\r\n\r\nFor more information visit the Federal Trade Commission section on Debt Collection.\r\nHow can you stop debt collectors from contacting you?\r\nIf you\u2019ve decided you no longer want debt collectors to contact you, send a certified letter requesting that they stop all communication with you. After the letter is received, a debt collector can only contact you to state they are no longer going to reach out to you or to tell you that they are going to take a specific action \u2013 such as filing a lawsuit.\r\n\r\nIt\u2019s important to speak to the debt collector and find out if the debt is yours and determine if it\u2019s debt that you can settle. Ignoring debt collectors can escalate into a potential lawsuit which will then become a legal judgment to pay the debt.