Know Your Debt Collection Rights & Spot Illegal Debt Collection
If you’re receiving debt collection letters or debt collection agency phone calls, it’s imperative that you understand your debt collection rights. Knowledge is power, and when you know the difference between legal and illegal debt collection behavior, you can draw a line in the sand and let debt collection agencies know that they can’t browbeat or threaten you.
The primary law that protects you is the federal Fair Debt Collection Practices Act, though your state may have additional protections. Originally enacted in 1978, the FDCPA outlines exactly what debt collectors and debt collection agencies can and cannot do in an attempt to collect a debt. It also outlines your debt collection right to dispute a debt, and the responsibility of the debt collector to prove that the debt is yours to pay.
Follow a link below to learn more about your debt collection rights, or how to spot illegal debt collection tactics.
The difference between original and third-party debt
How debt collectors track you down
Legal and illegal debt collection tactics
The 5-day validation notice
Your 30-day dispute period
Develop a debt collector action plan
How to stop debt collectors
How to sue debt collectors
If you’ve been the victim of illegal debt collection practices, contact us at 203-529-5100. We are determined to assert your debt collection rights and get the justice you deserve.