The Fair Debt Collection Practices Act prevents debt collectors from partaking in abusive, deceptive, and unfair ways in an attempt to collect a debt.

Your Rights

• Debt collectors can only contact you between 8am-9pm
• Continuous contact is not allowed if it is annoying and/or harassment
• Collectors cannot contact place of work if they are told not to
• collectors should contact the attorney if they recognize the consumer has one
• Collectors are not allowed to contact if the consumer has requested validation on the debt for the thirty day time period
• Collectors cannot exhibit the following behaviors:

• Use profane language
• Threaten arrest
• Threaten legal action
• Lie about amounts owed
• Publish the consumer’s data on “bad debt” lists
• Use public media to reach the consumer

To Sue A Debt Collector

You should file a suit within one year from the date your rights were violated. Make sure you have all records of contact with the debt collector, and any other relevant and related documents, emails, calls, etc.