What are my rights when dealing with a debt collector?

When dealing with a debt collector in Kansas, it is important to know that you have certain rights under the Consumer Debt Defense Law. The law states that debt collectors must treat you with respect and must not harass you. They must communicate with you in a professional manner and may not use offensive language when speaking with you. Additionally, debt collectors must follow certain rules concerning communication. For example, they may not call you at unreasonable times or contact you at work. They may also not contact you if you have told them that they may not do so. Under the Consumer Debt Defense law, debt collectors must also provide you with certain information about the debt. This includes the original creditor, the amount due, and the rights you have in regards to repayment. If a debt collector does not provide this information, they may have violated the law. If you feel your rights have been violated, the Consumer Debt Defense Law provides you with the right to take legal action against the debt collector. You may be entitled to compensation for any damages you have suffered. Additionally, the debt collector may be required to pay for your legal fees. It is important to remember that you have certain rights when dealing with a debt collector in Kansas. Knowing and understanding these rights will help you protect yourself from unfair practices.

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What are my rights when dealing with a debt collector?

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