What are my rights when dealing with a debt collector?

If you live in New York and are dealing with a debt collector, you have certain rights under the Collection Defense Law. First, a debt collector must treat you with respect and cannot use threatening language, harass, or use abusive words to collect a debt from you. Second, a debt collector must give adequate notice of the debt, meaning they must provide you with written notice of the debt, the amount due, and the name of the original creditor. Third, if you dispute the debt, the debt collector must mail you an official written notice with the details of the debt. Fourth, a debt collector may not contact you more than twice a week, call you before 8am or after 9pm, or contact you at work if you have requested they not do so. Finally, a debt collector must advise you of your right to file a complaint with the Consumer Financial Protection Bureau if you feel their activities are in violation of the law. Overall, it is important to remember that you have rights when dealing with debt collectors. You are entitled to respectful and professional treatment and should not be subjected to any form of harassment. You should also be aware of your rights to dispute a debt, receive adequate notice of the debt, and to file a complaint if necessary.

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What are my rights when dealing with a debt collector?

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