What rights do I have when dealing with debt collectors?

In Oregon, debt collectors must abide by a set of laws that protect consumers from unfair and abusive practices. When dealing with debt collectors, you have a number of rights. Firstly, debt collectors must act in a professional manner. They must be respectful and not threaten or harass you. Debt collectors also have limitations on the times they can attempt to contact you. This includes times they can call, email, or text. They also cannot contact you before 8 am or after 9 pm. Additionally, debt collectors must provide you with written notice of your debt and a description of your rights. This must include information about how you can dispute the debt or request verification of it. You have the right to request that a debt collector stop calling you; they must honor a written request. You may also dispute a debt at any time and debt collectors must cease collection activities until they have sent you verification of the debt. Finally, the Federal Trade Commission has established rules to protect consumers from abusive practices. Debt collectors cannot use or threaten to use violence, misconduct, or other criminal acts against you. They cannot falsely threaten to take legal action against you and they must identify themselves whenever they contact you. Knowing your rights is an important part of dealing with debt collectors in Oregon. Understanding the laws and your rights can help you protect yourself and ensure that debt collectors abide by the law.

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What rights do I have when dealing with debt collectors?

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