What are my rights when dealing with a debt collector?

In California, you have many rights when dealing with a debt collector. The Fair Debt Collection Practices Act (FDCP) provides consumers with numerous protections when dealing with debt collectors. Under the FDCP, consumers have the right to be treated professionally. Debt collectors must identify themselves and the amount of debt they are seeking. They are prohibited from using profane language, threats, or harassing the consumer. Consumers also have the right to protection from false statements. Debt collectors are not allowed to lie or misrepresent the amount of debt owed or to send false documents. In addition, debt collectors are not allowed to contact you at unreasonable times or places. They are also prohibited from contacting you at work if they have been told that it is not allowed. Furthermore, debt collectors cannot contact third parties about your debt. They may only contact these individuals in order to get your contact information. Finally, consumers have a right to dispute debts. If you believe that the debt is incorrect, you can request documentation and dispute the debt. These are just some of the rights that you have when dealing with a debt collector in California. If a debt collector violates any of these rights, you may be entitled to legal action. It is important to familiarize yourself with your rights when dealing with a debt collector.

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What are my rights when dealing with a debt collector?

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