SUE DEBT COLLECTORS

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 the place of work if they are told not to
• Debt 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