Under the Fair Debt Collection Practices Act (FDCPA), debt collectors find themselves limited in the actions they can take when trying to collect their owed amounts. Deceptive, abusive or unfair practices fall under this umbrella of protection.
It is important to understand your rights under the law when dealing with debt collectors. This way, you can act quickly if they make any illegal moves against you.
When can they call you?
The Federal Trade Commission discusses some of the most frequently asked questions about debt collection and collectors. First, how and when can debt collectors contact you? They may do so over email, text message, by letter mail or via phone calls. However, they cannot call you between the hours of 9 P.M. or 8 A.M. unless you specifically agree to it. If you have told them that you cannot accept calls at work, they cannot call your work number, either.
What actions are debt collectors barred from? They cannot harass you, lie or treat you in an unfair way. Examples include threatening to harm you, pretending they are an attorney or a government figure or deposit a post-dated check early.
Who can they discuss your debt with?
Can debt collectors discuss your debt with others? In short, no. They may contact people who know you in order to get your workplace, phone number and so on. However, they cannot discuss your debt with anyone but you, your spouse and your attorney if you have one.
Speaking of, it would likely benefit you to have the aid of an attorney. They can point out when a debt collector treats you unfairly. They can also help you gain compensation for any mistreatment you suffered.