What consumer rights do I have when it comes to debt collection?

When it comes to debt collection, Delaware residents have certain rights that are protected by law. Under Delaware consumer protection laws, debt collectors must treat individuals respectfully and not engage in deceptive, unfair, or abusive practices. One important consumer right concerns communication with debt collectors. Debt collectors must provide individuals with appropriate notice of the debt and the amount owed. Furthermore, it is illegal for debt collectors to contact individuals at inconvenient times, such as before 8am or after 9pm. Debt collectors are not allowed to harass or threaten individuals. This includes language or conduct that is intended to humiliate, embarrass, or intimidate the person. Additionally, debt collectors cannot use profane language or false accusations. In Delaware, debt collectors are not allowed to use unfair or unconscionable tactics. This includes attempts to collect more debt than what is legally owed, threats of repossession without proper legal authority to do so, and false statements about the debtor’s legal status. Debtors also have the right to dispute the debt or any related charges. If the debtor believes they do not owe the debt, they can dispute the debt within 30 days of receipt of the debt collection notice. The debt collector must then provide proof of the validity of the debt. These are just a few of the consumer rights Delaware residents have when it comes to debt collection. Understanding these rights can help individuals protect themselves from deceptive or unfair practices.

What consumer rights do I have when it comes to debt collection?

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