What rights do consumers have when dealing with debt collectors?

In New Hampshire, consumers have certain rights when dealing with debt collectors. The Fair Debt Collection Practices Act (FDCPA) and New Hampshire’s Consumer Protection Act protect consumers from unfair or abusive practices from debt collectors. Under the FDCPA, debt collectors may not engage in harassing or abusive conduct, nor can they use false, misleading, or deceptive practices. Debt collectors are also prohibited from using unfair or unconscionable means to collect a debt, such as threatening violence or other criminal activity, or using obscene language. Debt collectors may only contact a consumer between certain hours, which are 8:00 a.m. – 9:00 p.m. Any contact outside of these hours is considered a violation of the FDCPA. By law, debt collectors must also stop contacting a consumer if the consumer has requested that contact cease in writing. The debt collector is then required to inform the consumer that, while contact may have stopped, they may still pursue other methods of debt collection. Debt collectors must also provide consumers with all the necessary information about their debt when they are contacted. This includes the total amount of the debt, the creditor to whom the debt is owed, and the consumer’s right to dispute the debt. Finally, debt collectors may not use deceptive means to collect a debt, such as threatening to have the consumer arrested, falsely claiming to be an attorney, or pretending to be someone else. In conclusion, consumers in New Hampshire have certain rights when dealing with debt collectors. It is important that consumers familiarize themselves with their rights so that they can protect themselves from unfair debt collection practices.

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What rights do consumers have when dealing with debt collectors?

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