YOU ARE PROTECTED
The Fair Debt Collection Practices Act provides protection for those being pursued for personal debts, such as money owed on a credit card account, an auto loan or a mortgage. It doesn’t cover debts incurred to run a business.
YOU HAVE RIGHTS
Debt collectors can contact you by phone, letter, email or text message, as long as they follow the rules and disclose that they are debt collectors. It’s against the law for a debt collector to pretend to be someone else to harass, threaten or deceive you.
They may not contact you at inconvenient times or places, such as early in the morning or late at night. And they may not contact you at work if they’re told not to.
Debt collectors may not harass, oppress, or abuse you, according to the FTC. That includes threats of violence or using obscene language. Federal law also limits the number of calls a debt collector can place.
Collectors cannot lie to collect a debt, by falsely representing themselves or the amount you owe. And other than trying to obtain information about you, such as a telephone number or whereabouts, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.
YOU CAN TAKE ACTION
Report any problems you have with a debt collector to your state Attorney General’s office, the Federal Trade Commission and the Consumer Financial Protection Bureau. Many states have their own debt collection laws that vary from federal law, so contact your attorney general’s office for help.
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