What rights do I have when dealing with debt collectors?

When dealing with debt collectors in Mississippi, you have certain rights and protections under the law. The Fair Debt Collection Practices Act (FDCPA) is a federal law that provides specific protections for consumers from debt collection abuses. This law includes rights such as prohibiting debt collectors from harassing you, requiring them to provide written notices of debt (including amount owed and name of creditor), and restricting when and how they can contact you. Additionally, under Mississippi state law, debt collectors are also prohibited from engaging in certain practices such as calling you before 8 a.m. or after 9 p.m., using profane language, or calling you at work if it may violate your employer’s policies. You also have the right to request written verification of a debt in Mississippi if you are unsure if it is legitimate. If the debt is valid, the debt collector must provide a written verification of the debt within 5 days of your request. If you feel you are being harassed or abused by a debt collector, you can file a complaint with the Mississippi Attorney General’s Office or the Federal Trade Commission. You can also consult a consumer law attorney to review your rights and any potential violations. Remember, you have rights, so it’s important to be aware of them and assert them.

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What rights do I have when dealing with debt collectors?

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