How can debtors protect themselves from debt collectors?

Debtors in Louisiana can protect themselves from debt collectors by understanding their rights under the state’s debtor and creditor law. The law gives debtors the right to demand validation of the debt, meaning that the debt collector must prove they are legally entitled to collect on the debt. Debtors have the right to ask for documentation that proves the amount, who the debt is owed to, and who owns the debt. It is important for debtors to know they also have the right to dispute any inaccuracies or discrepancies regarding their debt. If a debt collector is wrong about the amount, who owns the debt, or other details, debtors can question them and could potentially end up paying less or not paying at all. Debtors are also protected from unfair collection practices by the debtor and creditor law. This law prohibits debt collectors from using threats of violence, obscene language, or harassment against debtors. It also prohibits debt collectors from using false statements or misrepresentations to collect a debt, and from contacting a debtor’s friends or family regarding the debt. Finally, debtors are also protected from debt collectors who try to collect more than the amount that is legally owed, known as “excessive collection fees”. Overall, debtors in Louisiana can protect themselves from debt collectors by understanding their rights under the state’s debtor and creditor law and by being aware of the limitations that the law places on debt collectors.

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How can debtors protect themselves from debt collectors?

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