How can debtors protect themselves from debt collectors?

Debtors in South Carolina are protected by the Fair Debt Collection Practices Act (FDCPA) from abusive practices by debt collectors. The FDCPA sets out clear regulations on how collection agencies must approach consumers. First of all, debt collectors must identify themselves truthfully and cannot falsely threaten legal action. They also must respect the debtor’s request to cease contact and must stop calling and sending letters. Additionally, debt collectors cannot misrepresent the amount of debt owed. They are also not allowed to contact the debtor at unreasonable times, which is typically before 8AM or after 9PM. Debtors can also protect themselves from debt collectors by filing a dispute with the credit reporting agencies. This will prevent the collection agency from reporting the debt on the debtor’s credit report. The debtor can also write the collection agency a “cease and desist” letter which will stop all communication. Finally, debtors can also contact a consumer protection lawyer. The lawyer may be able to negotiate with the debt collector on the debtor’s behalf. He or she can also help the debtor decide which course of action to take. In summary, debtors in South Carolina are protected by the Fair Debt Collection Practices Act from abusive collection practices. Debtors can also protect themselves by filing a dispute with the credit reporting agencies, writing a cease and desist letter, and hiring a consumer protection lawyer.

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How can debtors protect themselves from debt collectors?

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