What rights do consumers have when dealing with debt collectors?

In Kansas, consumers have certain rights when dealing with debt collectors. These rights are outlined in the federal Fair Debt Collection Practices Act, as well as in state laws. First, debt collectors are prohibited from harassing, oppressing, or abusing consumers while trying to collect a debt. This includes using threats of violence, using obscene or profane language, or calling at unreasonable hours. Second, debt collectors cannot misrepresent themselves or the amount of the debt, and must provide proof and/or validation of the debt if requested. Third, debt collectors are prohibited from providing false information to a consumer’s credit reporting agency. Fourth, consumers have the right to request that a debt collector stop all contact with the consumer. Once this request is made, the debt collector must stop making calls and sending letters to the consumer. Finally, debt collectors cannot sue a consumer for a debt that is past the statute of limitations. The statute of limitations is the time period during which a debt collection action can be filed. In summary, consumers have rights when dealing with debt collectors. They have the right to be free from harassment and to get validation of a debt. They also have the right to request that a debt collector stop all contact and to be shielded from legal action once a debt is past the statute of limitations.

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What rights do consumers have when dealing with debt collectors?

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