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

In Georgia, consumers have certain rights when it comes to debt collection. These rights are outlined in both the Georgia Fair Business Practices Act (FBPA) and the Federal Fair Debt Collection Practices Act (FDCPA). Under the FBPA, debt collectors must treat consumers fairly and with respect. They must provide specific information about the debt being collected and from whom, including the name, address, phone number, and name of the creditor. Debt collectors may not use harassing, oppressive, abusive, or misleading collection tactics in their attempts to collect a debt. They may not threaten, intimidate, or harass a consumer. Under the FDCPA, debt collectors must treat consumers fairly and with respect when collecting a debt. Debt collectors may not harass or use abusive language, threaten criminal prosecution, falsely represent themselves as government agents, or use false or deceptive collection practices. They must provide truthful information regarding the debt and its consequences. Debt collectors may not contact third parties to discuss the debt, contact people earlier than 8 AM or later than 9 PM, or contact consumers at their place of employment without their permission. In Georgia, if a consumer believes a debt collector has violated the FBPA or FDCPA, they may file a complaint with the Georgia Commissioner of Insurance or the Federal Trade Commission.

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

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