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

The Fair Debt Collection Practices Act (FDCPA) is a federal law that was passed to protect consumers from unfair and abusive debt collection practices. In Oregon, the FDCPA applies to debt collectors that are trying to collect debt from consumers, but it does not apply to the original creditors. Under the FDCPA, consumers have certain rights with regards to debt collection practices. Consumers have the right to be treated with respect and not be harassed by debt collectors. The FDCPA also prohibits debt collectors from using profane language or making false or misleading statements when collecting debt. Debt collectors are also prohibited from calling the consumer early in the morning or late at night, as well as calling them at their place of work if they have been asked not to. Additionally, the FDCPA prevents debt collectors from disclosing any information about the debt to other people, such as family members or co-workers. Consumers also have the right to request verification of the debt from the debt collector and send a written dispute to the debt collector if they believe the amount of debt is incorrect. This must be done within 30 days of being contacted by the debt collector. Lastly, the FDCPA grants consumers the right to be free from unfair collection tactics, such as depositing a post-dated check prematurely or threatening to take legal action. If this happens, consumers can file a complaint with the Consumer Financial Protection Bureau.

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

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