As more people experience financial distress caused by the COVID-19 pandemic, the number of debt collectors is increasing. These collectors use aggressive tactics to recover owed money, including calling and sending letters or emails, which can lead to repeated harassment and privacy violations. It’s essential to know your legal rights and options when dealing with debt collectors to avoid falling victim to their tactics. In this article, we will outline how to protect yourself from debt collectors and ensure they abide by the Fair Debt Collection Practices Act (FDCPA).
Understanding the Fair Debt Collection Practices Act (FDCPA)
The FDCPA outlines debt collectors’ behavior governing how they contact you, the information they can share about your debt, and the legal means they must follow to recover money. Consumer rights under the FDCPA include:
If a collector violates your rights or uses abusive tactics, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or sue the collector for damages.
Protect Your Rights Against Debt Collectors
The following are steps you can take to ensure your legal rights when dealing with debt collectors:
What to Do if a Debt Collector Violates FDCPA
If a debt collector violates your legal rights, you should take the following steps:
Dealing with debt collection can be stressful and overwhelming, particularly when collectors use aggressive tactics. Remember that you have legal rights under the FDCPA and can protect yourself from violations by requesting verification of the debt, keeping written records, and talking to an attorney if necessary. Don’t let debt collectors bully you – be informed and prepared to stand up for your rights. We’re committed to providing an enriching learning experience. That’s why we’ve selected this external website with valuable information to complement your reading on the topic. how to settle with a debt collector.
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