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 fair debt collection. 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 collectorr
Hang up on a debt collectorr
Tell him orally not to callr
Inform him in writing not to callr
Inform him not to call you at inconvenient timesr
Ask him to call at a time set by your
Ask for written communicationr
Tell him not to call at work placer
Ask for validation of the debtr
Inform him to communicate with your atto
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Send a cease and desist letter to stop further communicationr
Record calls from debt collector (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 debt collectors 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 the debt collector know of this knowledge, you can keep away from unfair and mean debt collectors.