What rights do I have under the Fair Debt Collection Practices Act?

In New Hampshire, you have certain rights under the Fair Debt Collection Practices Act. This law was established to protect consumers from unethical debt collection practices. Under the Fair Debt Collection Practices Act, debt collectors are prohibited from using unfair, deceptive, or oppressive practices when attempting to collect a debt. Debt collectors cannot harass, abuse, or threaten you. They also cannot make false statements, such as telling you that you owe more money than you actually do or claiming that they are attorneys, or have some other special authority. Under the Act, debt collectors must also provide you with specific information. This includes the amount of the debt, the name of the creditor, and the right to dispute the debt. Debt collectors may not contact you before 8 a.m. and after 9 p.m., unless you agree, and they must respect your wishes to cease communication. In addition, debt collectors may not disclose information about the debt to other parties without your permission. The Fair Debt Collection Practices Act also gives you certain rights to dispute a debt. You can dispute a debt in writing or orally and the debt collector is then required to respond within 30 days. If you dispute the validity of the debt, the debt collector must provide documentation to prove that you actually owe the debt. The Fair Debt Collection Practices Act protects you against unfair debt collection practices and gives you certain rights. It is important to understand these rights and to know when your rights may have been violated.

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What rights do I have under the Fair Debt Collection Practices Act?

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