What are my rights when dealing with a debt collector?

In New Hampshire, the Consumer Debt Defense Law provides certain rights when dealing with debt collectors. Individuals have the right to be treated fairly and with respect by debt collectors. Additionally, debt collectors cannot use profane or menacing language when communicating with the debtor. They must also cease communication with the debtor when asked to do so. Debt collectors cannot contact a debtor regarding a debt at any time before 8:00am or after 9:00pm. It is also illegal for a debt collector to contact the debtor at inconvenient times or places, such as at work or in public. Debt collectors must provide truthful and accurate information to the debtor about the debt that is being collected. This includes giving the debtor information about what the debt is for and who is responsible for the debt. Debt collectors are also prohibited from engaging in deceptive or unfair practices when collecting a debt. Such practices include misrepresenting the debt, threatening arrest if the debt is not paid, collecting fees that are not legally allowed, and using false or deceptive language when communicating with the debtor. In New Hampshire, debtors have the right to dispute a debt and demand proof of the debt. This proof must include information about the amount and type of debt, the creditor, and the source of the debt. If a debt collector fails to provide this information within 30 days of a written request, they must cease collection of the debt. Moreover, debt collectors are prohibited from reporting any incorrect information or continuing to attempt to collect the debt if it is disputed. In the event that a debt collector does not comply with any of these rights, debtors can take legal action against the debt collector.

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What are my rights when dealing with a debt collector?

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