What are my rights regarding debt collection harassment?
The federal Fair Debt Collection Practices Act (FDCPA, 15 U.S.C. 1692 and following) bars collectors from calling you at work, harassing you, using abusive language, making false or misleading statements, adding unauthorized charges, and many other practices. Under the FDCPA, you can demand that the collection agency stop contacting you (except to tell you that collection efforts have ended or that the creditor or collection agency will sue you). You must put your request in writing. It’s against federal law for a bill collector who works for a collection agency (as opposed to working in the collections department of the creditor itself) to call you at an unreasonable time. Unreasonable times can be subjective depending on each person’s individual life and work habits.
A.The federal Fair Debt Collection Practices Act (FDCPA, 15 U.S.C. ยง 1692 and following) bars collectors from calling you at work, harassing you, using abusive language, making false or misleading statements, adding unauthorized charges, and many other practices. Under the FDCPA, you can demand that the collection agency stop contacting you (except to tell you that collection efforts have ended or that the creditor or collection agency will sue you). You must put your request in writing. It’s against federal law for a bill collector who works for a collection agency (as opposed to working in the collections department of the creditor itself) to call you at an unreasonable time. Unreasonable times can be subjective depending on each person’s individual life and work habits.
