What rights does the Fair Debt Collection Practices Act give me?

The Fair Debt Collection Practices Act (FDCPA) gives specific rights to consumers in Mississippi who are dealing with debt collectors. The FDCPA protects consumers from unfair, deceptive, and abusive debt collection practices. First, the FDCPA prohibits debt collectors from using oppressive and abusive tactics to collect debt. This means that the collector cannot use profane language, threaten legal action that they are not allowed to take, and cannot continuously call or contact you in a harassing manner. Second, the FDCPA requires debt collectors to disclose certain information about the debt. This includes the amount of the debt, the name of the original creditor, and the name of the debt collector. Additionally, if the debt is sold to another collector, the new collector must inform you of the transfer and the name of the new collector. Third, the FDCPA also requires collectors to stop contacting you if you tell them to in writing. However, this does not mean the debt is forgiven or that you no longer have to pay. Furthermore, the collector can still take legal action against you to collect the debt. Finally, the FDCPA gives you the right to dispute the debt. If you believe that the debt or the amount is wrong, you can send the collector a dispute letter. The debt collector must then investigate the dispute and provide you with written information on the results of the investigation. Overall, the Fair Debt Collection Practices Act provides consumers with a number of protections and rights to ensure that debt collectors are not engaging in unfair, deceptive, and abusive practices.

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What rights does the Fair Debt Collection Practices Act give me?

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