How can I protect myself from unfair debt collection practices?

Protecting yourself from unfair debt collection practices in New Hampshire begins with understanding your rights under consumer debt defense law. The first right you have is to be informed. The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to provide you with information about themselves, the debt, and their collection practices. Second, you have the right to challenge the debt. The FDCPA requires debt collectors to provide validation of the debt, which includes the name of the creditor, amount owed, and a breakdown of how that amount was determined. If the debt collector can’t or won’t provide this information, you can dispute the debt. Third, you have the right to be treated fairly. Debt collectors must stop harassing you and must not use profane language, threaten violence, or contact you at an inconvenient time. They can’t call you late at night or at work, and they must honor your requests to stop contacting you. Finally, you have the right to be represented by an attorney. If a debt collector is suing you or threatens to sue you, you should contact an attorney to help you determine your rights and options for responding. No matter what, it is important to never ignore legal notices or any requests from debt collectors. Keep records of all communications, and reach out to an attorney if you believe a collector is violating your rights.

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How can I protect myself from unfair debt collection practices?

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