What rights do consumers have when dealing with debt collectors?

In Illinois, consumers have certain rights when dealing with debt collectors. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from engaging in certain practices, such as harassing or intimidating consumers. Debt collectors must also follow strict rules when communicating with consumers, such as not contacting them before 8am or after 9pm, and not disclosing information to anyone other than the consumer. Debt collectors must also provide the consumer with written acknowledgement of the debt within five days of first contact. This acknowledgement must contain the amount of the debt, the name of the creditor to whom the debt is owed, and a notice of the consumer’s right to dispute the debt within 30 days. If the consumer disputes the debt within that period, the debt collector must provide written verification of the debt within 30 days. In addition, the FDCPA prohibits debt collectors from misrepresenting the amount or legal status of the debt, or using false or deceptive language in communication with consumers. Debt collectors are also prohibited from engaging in unfair practices such as collecting fees or charges not allowed by law, or threatening legal action that they do not intend to take. It’s important for consumers to know their rights when dealing with debt collectors. If a consumer believes their rights have been violated, they can file a complaint with the Federal Trade Commission or take legal action against the debt collector.

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What rights do consumers have when dealing with debt collectors?

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