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   What if a collection agency violates the law?

   • If you feel like the collection agency has violated the law, respond with your own lawsuit by the date specified in the court papers. This is important to preserve your rights. The Fair Debt Collection Practices Act outlines the rules that debt collectors must follow when attempting to collect a debt.

   Fair Debt Collection Practices Act: What You Should Know

   www.debt.org/credit/your-consumer-rights/fair-debt-collection-practices-act/

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   What is the Fair Debt Collection Practices Act?

   • The Fair Debt Collection Practices Act outlines the rules that debt collectors must follow when attempting to collect a debt. Learn what debt collectors can’t do, the difference between third party & in-house collection, & your rights as a consumer.

   Fair Debt Collection Practices Act: What You Should Know

   www.debt.org/credit/your-consumer-rights/fair-debt-collection-practices-act/

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   Do debt collectors violate consumer protection laws?

   • Although many debt collectors are careful to comply with consumer protection laws, others engage in illegal conduct. Some collectors harass and threaten consumers, demand larger payments than the law allows, refuse to verify disputed debts, and disclose debts to consumers’ employers, co-workers, family members, and friends.

   Debt Collection | Federal Trade Commission

   www.ftc.gov/news-events/topics/consumer-finance/debt-collection

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   Can a debt collector harass a consumer?

   • They are also prohibited from publishing lists of consumers who haven’t paid debts. Consumers can send a desist letter to the collector saying that the harassment is a violation of federal law. False Statements – Debt collectors are forbidden from lying to collect a debt.

   Fair Debt Collection Practices Act: What You Should Know

   www.debt.org/credit/your-consumer-rights/fair-debt-collection-practices-act/

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2. www.consumerfinance.gov › debt-collectionDebt collection | Consumer Financial Protection Bureau

   www.consumerfinance.gov › debt-collection

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   On November 30, 2021, the Debt Collection Rule became effective. The rule clarifies how debt collectors can communicate with you, including what information they’re required to provide you. Learn more about the new debt collection rule.

   • What Should I Do When a Debt Collector Contacts Me

     last reviewed: AUG 02, 2023. What should I do when a debt...

   • Explore Your Rights

     Learn about debt collection, harassment, and more. A few...

   • Explore Key Terms

     Learn about debt collection, harassment, and more....

   • Contact Us

     ATTN: Office of Civil Rights 1700 G Street, NW Washington,...

   • Submit a Complaint

     If the victim is an older person or a person with a...

   • Learn What Could Happen If You Avoid a Debt Collector

     While being contacted by a debt collector might feel...

   • Explore How-To Guides

     Explore guides to help you plan for big financial goals;...

   • There Are Laws That Limit What Debt Collectors Can Say Or Do

     The Fair Debt Collection Practices Act (FDCPA) is a federal...

   • The Bureau

     Fast Facts: CFPB by the Numbers Last updated: May 23, 2024....

   • Unfair

     The Fair Debt Collection Practices Act (FDCPA) prohibits...

3. www.thebalancemoney.com › consumer-rights-with11 Consumer Rights With Debt Collectors - The Balance

   www.thebalancemoney.com › consumer-rights-with

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   Mar 31, 2021 · 11 Consumer Rights You Should Know When Debt Collectors Call. Can collection agencies charge interest? Know your rights as a consumer, so you're prepared to protect them if necessary.

4. www.ftc.gov › consumer-finance › debt-collectionDebt Collection | Federal Trade Commission

   www.ftc.gov › consumer-finance › debt-collection

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   • Prepared Statement of the FTC on Repair Restrictions Before the Committee on Business Affairs & Labor in the Colorado General Assembly (February 28, 2024 )
   • Veterans Consumer Protection: Preventing Financial Exploitation of Veterans and Their Benefits (April 19, 2023 )
   • Protecting Military Servicemembers and Veterans from Financial Scams and Fraud: Prepared Statement of the Federal Trade Commission Before the House Subcommittee on National Security (July 13, 2022 )
   • Stopping COVID-19 Fraud and Price Gouging (February 1, 2022 )

5. www.debt.org › credit › your-consumer-rightsFair Debt Collection Practices Act: What You Should Know

   www.debt.org › credit › your-consumer-rights

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   May 21, 2020 · That is why Congress enacted the federal Fair Debt Collection Practices Act, a 1977 law that prohibits third-party collection agencies from harassing, threatening and inappropriately contacting someone who owes money. U.S. debt collection agencies employ just under 130,000 people through about 4,900 agencies.

   • in House vs. Third-Party Debt Collectors

     Debt collectors don’t necessarily represent the credit-card issuer, company or bank that lent or advanced you money. Some represent card issuers an...
   • Rules of Engagement: What Collectors Can and Can’T Do

     Borrowers are obligated to pay their debts or work with a nonprofit debt counselor or debt management firm to arrive at a repayment plan. But if yo...
   • In-House Collectors Follow Different Rules

     The FDCPA contains a loophole for so-called in-house collections. An in-house collector is a branch of the bank, retailer or credit-card firm that...
   • Actions Consumers Can Take Under The FDCPA

     If you believe a debt collector has violated the law, take action. You reserve the right to sue a collector in a state or federal court within one...
   • What If A Debt Collector Sues Me?

     If you are sued over a debt, make sure you, or your lawyer, appear in court on the scheduled date. If you don’t make an appearance, the judgment au...

6. www.nerdwallet.com › article › finance5 Ways the Fair Debt Collection Practices Act Protects You

   www.nerdwallet.com › article › finance

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   Nov 30, 2021 · The debt collection law gives consumers crucial protections against predatory practices, such as calling you late at night, using harassing language and pursuing you for a debt you don’t owe....