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

In South Carolina, consumers have a number of important rights when it comes to debt collection. The Fair Debt Collection Practices Act (FDCPA) provides consumers with protections from debt collector harassment and other abusive behavior. Consumers have the right to be treated fairly and respectfully by debt collectors, and debt collectors cannot threaten violence or harm, use obscene language, make false statements, or harass the consumer or others. In addition, debt collectors cannot call at inconvenient times or locations, such as before 8 am or after 9 pm, or at the consumer’s place of employment. Debt collectors must also identify themselves and the nature of the debt when communicating with consumers. The FDCPA also prohibits debt collectors from using false or deceptive practices in an attempt to collect the debt. Consumers can also dispute the debt or ask for validation of the debt from the debt collector. This means that the debt collector has to provide evidence that a consumer is legally responsible for the debt. Additionally, consumers can also request a written notice of the amount of the debt, the name of the creditor, and other important information. In South Carolina, consumers have a range of rights when it comes to debt collection. It is important for consumers to be aware of their rights and to take action if they feel that their rights have been violated.

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

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