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

In Florida, consumers have certain rights when it comes to debt collection. The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from certain abusive and deceptive collection practices. According to this law, debt collectors must abide by certain rules when attempting to collect a debt. First, debt collectors must treat consumers respectfully when attempting to collect a debt. This means debt collectors must not use profanity, harass consumers, or otherwise be disrespectful. They must also refrain from making false or misleading statements regarding the debt owed. In addition, debt collectors must send the consumer a written notice of the debt including the identity of the creditor, the amount, and how the consumer can dispute the debt. Consumers must also be told that they can ask the debt collector to cease any communication with them. Finally, debt collectors must cease communication with a consumer once they have requested to do so. However, the debt may still remain and the debt collector may be able to pursue other collections actions. It is important to know your rights as a consumer when it comes to debt collection. By understanding and knowing your rights, you can help protect yourself from unfair and abusive debt collection practices.

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

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