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Dealing with debt collectors can be stressful — but you’re not powerless. The Fair Debt Collection Practices Act (FDCPA) was created to protect consumers from abusive or unfair collection tactics. Here’s what the FDCPA really says about your rights.
Collectors cannot harass you, threaten you, or use obscene language. They must treat you with fairness and respect, no matter the debt.
Debt collectors cannot call before 8 a.m. or after 9 p.m., unless you agree to it. They also cannot call you at work if you’ve told them not to.
Every time a debt collector contacts you, they must tell you who they are, who they represent, and that they are attempting to collect a debt.
Just like with a collection letter, you have the right to request validation of the debt in writing. Until they provide proof, they must stop collection efforts.
If a collector violates the FDCPA, you can report them — and even sue for damages. This law gives you leverage, not them.
The FDCPA was written to protect you from harassment and deception. Knowing your rights can stop collectors from overstepping and give you peace of mind.