Know Your Rights in the FDCPA


    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

    Source by John Kevin