Are there any laws that protect me from debt collectors?

Yes, there are laws in Virginia that protect you from debt collectors. The Virginia Fair Debt Collection Act (FDCPA) is the main law that protects you from debt collectors. This law requires debt collectors to treat you fairly and prohibits them from harassing or abusing you. The FDCPA also limits how and when debt collectors can call or contact you. Debt collectors may only contact you between 8:00 a.m. and 9:00 p.m. and they may not contact you at your place of employment if you have asked them not to do so. The law also prohibits debt collectors from using profane or obscene language, or any language that could be intimidating or offensive. They may not threaten arrest or legal action unless they truly intend to follow through with it. Debt collectors must also refrain from making false or misleading statements in an effort to collect a debt from you. There are other laws that also protect you from debt collectors. For instance, the Virginia Interest Act prohibits interest rates and other fees that are deemed to be excessive. Additionally, the Virginia Consumer Protection Act provides another layer of protection by prohibiting debt collectors from deceptive and unfair practices. If a debt collector has violated any of these laws, you may have legal recourse. You may be able to bring a lawsuit against the debt collector and potentially receive damages. It is important to speak with a lawyer who is knowledgeable about these laws to discuss your legal options.

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Are there any laws that protect me from debt collectors?

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