What rights do I have under the Fair Debt Collection Practices Act (FDCPA)?

Under the Fair Debt Collection Practices Act (FDCPA), consumers in California have certain rights to protect them from abusive debt collection practices. These rights include: 1. You have the right to be treated fairly by debt collectors. Debt collectors cannot be abusive, unfair or deceptive in the way they communicate with you. 2. You have the right to know what debt you owe. Debt collectors must provide you with written notification about your debt, including the amount you owe and the name of the creditor. 3. You have the right to be contacted in a reasonable time and manner. Debt collectors cannot call you at unreasonable times, such as before 8 am or after 9 pm. 4. You have the right to privacy. Debt collectors cannot discuss your debt with anyone except you and your attorney. 5. You have the right to dispute a debt in writing. If you do not believe a debt is yours, you can dispute it in writing and the debt collector must verify the debt. 6. You have the right to a debt validation. Debt collectors must validate a debt before pursuing you for payment. 7. You have the right to sue a debt collector for violation of the FDCPA. If a debt collector does not follow the law, you can take legal action against them. By understanding your rights under the Fair Debt Collection Practices Act, you can protect yourself from abusive debt collection practices and make sure debt collectors are treating you fairly.

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What rights do I have under the Fair Debt Collection Practices Act (FDCPA)?

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