| The Federal Debt Collection Practices Act (FDCPA) | | | | You have a right not to be called at your work place |
| enforced by the Federal Trade Commission (FTC) | | | | The debt collector should not reveal information |
| regulates debt collection practices. The guidelines laid | | | | about you to any third party |
| down by the FDCPA prohibit any kind of harassment | | | | All the above need to be fulfilled by the debt |
| of consumers by the debt collectors. Knowing the | | | | collector. If he does not, you have a right to dispute |
| FDCPA guidelines helps you understand your rights as | | | | the notice of the debt, right to contest the debt and |
| a consumer. You may sue the collector for any | | | | right to get a verification of the debt. You have a |
| violations in the FDCPA guidelines. | | | | right to dispute over the phone but sending a cease |
| Your rights include: | | | | and desist letter through certified mail, with return |
| You have a right not to take a call from a debt | | | | receipt requested will assure you of proof of his |
| collector if you are not in favor of it | | | | receipt. Once the cease and desist letter reaches |
| Should you take the call, you have a right to inform | | | | him, he has to stop all the debt collection activity till |
| him not to call | | | | the debt is verified. |
| If he calls repeatedly you may sue him | | | | Debt collectors resort to illegal and unfair ways to |
| You may not be harassed for a payment | | | | squeeze money from consumers. If you lack |
| You have a right not to be subjected to abusive | | | | knowledge of your protection rights laid by the |
| language | | | | FDCPA you will become a victim to such tactics. The |
| The caller needs to give you his identity | | | | FDCPA laws make sure that there is justice in debt |
| He should give you the exact amount of debt owed | | | | collection. |
| by you | | | | |