What rights do I have under the Fair Debt Collection Practices Act (FDCPA)?
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from unfair and illegal debt collection practices. Under the FDCPA, debt collectors must treat consumers fairly and respectfully. Consumers have certain rights under the FDCPA, including the following: First, debt collectors must provide the consumer with a written notice that states the amount of the debt, the creditor to whom the debt is owed, and the consumer’s right to dispute the debt. The consumer has 30 days from the time the notice is received to dispute the debt. Second, debt collectors are prohibited from contacting the consumer at unreasonable times or places - typically before 8 a.m. or after 9 p.m., or at a place inconvenient to the consumer. Third, debt collectors must cease all communication with the consumer if the consumer has requested it in writing. Fourth, debt collectors may not harass, oppress, or abuse consumers in any way. They may not use profane or obscene language when communicating with consumers. Finally, a consumer can file a complaint against a debt collector if they feel the collector has violated any of these rights. Complaints may be filed with the Federal Trade Commission or the Consumer Financial Protection Bureau. The FDCPA provides consumers with important rights and protections against debt collection practices that violate consumer rights. Knowing and understanding these rights can help protect consumers from predatory debt collectors.
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