Dealing with Debt Collectors? Know Your Rights Under the FDCPA!

by james wood on Jan 20th, 2025 12:15 PM

Dealing with debt collectors can be a stressful experience, but it's important to remember that you have rights protected under the Fair Debt Collection Practices Act (FDCPA). This federal law ensures that collectors cannot harass or threaten you, use deceptive tactics, or call you at inconvenient times, such as before 8 a.m. or after 9 p.m. You also have the right to request written validation of the debt they’re attempting to collect and to dispute the debt if you believe it’s incorrect. If a collector violates these rules, you can report them to the Consumer Financial Protection Bureau (CFPB) or take legal action to protect yourself. By understanding your rights, you can stand firm against unlawful collection practices and navigate these situations with confidence.