What are my rights when dealing with a debt collector?

When dealing with a debt collector in Virginia, it is important to understand your rights. According to the Virginia Consumer Debt Defense Law, a debt collector cannot use abusive, deceptive, or unfair practices when attempting to collect a debt from a consumer. This includes, but is not limited to, threats of violence or legal action, false statements, contacting a consumer’s professional or family members, and harassing phone calls. It is also illegal for a debt collector to contact a consumer at a place of employment if they have been asked not to do so. Furthermore, if a debt collector is calling about a debt that the consumer does not recognize or believe to be inaccurate, they must provide written proof of the debt. Debt collectors are also legally obligated to adhere to the cease-and-desist letter. If a consumer sends a written request to the debt collector asking them to stop calling or sending letters, the debt collector must comply with the request. However, the debt collector may still file a lawsuit against a consumer in order to collect the debt. If a debt collector violates any of the provisions outlined in the Virginia Consumer Debt Defense Law, the consumer may be entitled to statutory damages, actual damages or attorney’s fees and court costs. It is important to contact an attorney if you believe that a debt collector has violated any of your rights.

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What are my rights when dealing with a debt collector?

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