Getting calls or letters from debt collectors can feel overwhelming. The Fair Debt Collection Practices Act (FDCPA) gives you important protections against harassment and unfair tactics.
Your Rights Under the FDCPA
- Debt collectors can’t call before 8am or after 9pm
- No threats, lies, or abusive language allowed
- You can request written verification of the debt
- You have the right to dispute the debt
What to Document
- Dates and times of all calls
- Names of the callers and the agency
- Copies of all letters and voicemails
- Any threatening or harassing language
Practical Checklist for Responding to Debt Collectors
- Don’t admit to owing the debt on the phone
- Ask for written verification
- Document every interaction
- Send disputes or requests in writing, by certified mail
- If you feel harassed, contact an attorney
When to Get Help
If you believe a debt collector is violating your rights, Ginsburg Law Group can help. We offer free consultations and may be able to stop the harassment at no cost to you.
