What rights do consumers have when dealing with debt collectors?

In Georgia, consumers have several rights when dealing with debt collectors. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are not allowed to harass or abuse consumers. This includes any use of obscene language, threats of violence, or any other communication that is meant to annoy, abuse, or harass. Additionally, debt collectors are prohibited from making false or misleading statements about the amount owed, the legal status of the debt, or the threat of legal action. Consumers also have the right to dispute a debt or request additional information about the debt, such as the amount, the date the debt was incurred, and the name of the original creditor. In addition, collectors must stop collection activities once a dispute has been made. If a consumer requests the debt collector to stop contacting them, the debt collector must comply and can only contact them in writing. Finally, debt collectors are prohibited from making contact with a consumer’s family, friends, or employer about a debt. If a consumer believes the debt collector is violating any of these rights, they can contact their state consumer protection agency and complaint about the debt collector.

Related FAQs

Are there any federal consumer laws?
What consumer protections are available for mortgage lenders?
Are there consumer protections in place for the purchase of foreign goods?
What is consumer law?
Are there consumer protections in place to protect consumers of fashion products?
What consumer protections exist in the automotive repair industry?
Are there consumer protections against price-gouging during emergencies?
How do consumer laws protect against deceptive pricing practices?
What are the laws governing consumer product safety?
Are there consumer protections to protect against online scams?

What rights do consumers have when dealing with debt collectors?

Related FAQs

Related Blog Posts