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applies to personal, family, and household debts. This
includes money owed for the purchase of a car, for medical
care, or for charge accounts. The FDCPA prohibits debt
collectors from engaging in unfair, deceptive, or abusive
practices while collecting these debts.
Your
rights under the Fair Debt Collection Practices Act:
-
Debt
collectors may contact you only between 8 a.m. and 9
p.m.
-
Debt
collectors may not contact you at work if they know your
employer disapproves.
-
Debt
collectors may not harass, oppress, or abuse you.
-
Debt
collectors may not lie when collecting debts, such as
falsely implying that you have committed a crime.
-
Debt
collectors must identify themselves to you on the phone.
-
Debt
collectors must stop contacting you if you ask them to
in writing.
Your
Debts and Debt Collectors
You are responsible for your debts. If you fall behind
in paying your creditors or an error is made on your
account, you may be contacted by a "debt
collector." A debt collector is any person, other
than the creditor, who regularly collects debts owed to
others. This includes lawyers who collect debts on a
regular basis. You have the right to be treated fairly
by debt collectors.
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