Fair Debt Collections Practices Act
The Fair Debt Collections Practices Act protect consumers from abusive collection practices. You do have rights and it’s important to know them.
Federal law gives you rights. For example debt collectors CAN’T:
- Call before 8AM and after 9PM.
- Curse or insult you.
- Demand you pay more than you owe.
- Lie about anything.
- Say papers sent to you are legal forms when they are not.
- Make up consequences for not paying your debt.
- Call you at work if your employer doesn’t allow it and you’ve informed them in writing or verbally.
More information check out Federal Trade Commission section on Debt Collection.
If these do happen make note of the agents you are speaking with so that you can report abusive practices and file a complaint to the Federal Trade Commission.
How can you stop debt collectors from contacting you?
If you’ve decided the you no longer want this debt collector 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 – such as filing a lawsuit.
It’s important to speak to the debt collector and find out if the debt is yours and determine if it’s debt that you can settle. Ignoring debt collectors can escalate into a potential lawsuit which will then become a legal judgement to pay the debt.