The Federal Debt Collection Practices Act (FDCPA) has laid down guidelines for fair debt collection. It has clearly listed the regulations and violations of this act. As a consumer you have rights for fair debt collection even if you owe. As a consumer you have a right to:
Refuse to take a call from a debt collector
Hang up on
Tell him orally not to call
Inform him in writing not to call
Inform him not to call you at inconvenient times
Ask him to call at a time set by you
Ask for written communication
Tell him not to call at work place
Ask for validation of the debt
Inform him to communicate with your attorney
Send a cease and desist letter to stop further communication
Record calls (varies from state to state)
Even if you owe a debt the FDCPA provides for your protection against unfair debt collection practices. You have a right to legal action if they violate the FDCPA. Rest assured you will have an upper hand if you are aware of your rights in consumer protection.
The FDCPA is a federal law that is enacted for the protection of consumer rights against unlawful debt collection practices. According to this Act the creditor or the debt collection agency that bought your debt from the original creditor has the right to collect the debt legally from you.
However while trying to collect this debt, a debt collector cannot abuse you, threaten you, or use any illegal practices. He can be tried for violations of the FDCPA if he calls you after a written request from you to cease all communication. He has to validate the debt at your request and employ fair means to collect the debt. He cannot mislead you with wrong information or quote inappropriate debts.
As a consumer, if you are aware of your rights in the Act and let they know of this knowledge, you can keep away from unfair and mean debt collector