Debt Collectors can become abusive! Know your rights!
The Fair Debt Collection Practices Act was passed so that consumers can have protection
against abusive debt collectors.

Here are some rules that you should be aware of.

A Debt Collector:

  • is prohibited from contacting you before 08:00 a.m. and after 09:00 p.m. of YOUR time
    zone
  • may not contact you at your place of business if the debt collector knows that it can
    jeopardize your employment
  • must ONLY communicate with your attorney if you inform a debt collector that an
    attorney is representing you in reference to your debt
  • Debt collectors can contact third parties only to gather information such as your
    address, your phone number or your place of employment.
  • CANNOT inform a third party, other than your attorney, that you owe money
  • after the first contact, the debt collector has five days to send you written notification
    informing you of the amount that is owed, the name of the creditor and what you
    should do if you feel that the debt is not valid
  • is prohibited from contacting you if you submit a letter within 30 days of receiving a
    collection letter informing the collector that you do not owe the money. However,
    collection activity can resume if the debt collector sends you proof of the debt
  • cannot harass, oppress or use abusive tactics in an effort to collect a debt
  • cannot misrepresent themselves by claiming that they are attorneys or affiliated with
    a law firm if it is not true
  • cannot imply that you have committed a crime or that you will be arrested
  • cannot send you anything that looks like a legal document when it is not
  • cannot threaten you with any legal action if they have no intention of doing so
Debt Credit Learning Center
Debt Solutions to help you improve your credit score!
Knowing your legal rights can protect
you from unscrupulous and
deceptive practices that some debt
collectors employ.

If you believe that you have been
victimized by a debt collector, Gather
as much detail on the debt collector
and the collection agency and
contact the office of your States
Attorney General and file a report.

Stay pro-active and do all that you
can to improve your credit report.
Copyright 2005-2008 Debt Credit Learning Center
God Bless.

Carlos Cruz
Debt Credit Learning Center