What are my rights when dealing with a debt collection agency?
An example of an AI chatbot conversation about rights with debt collection agencies.
What are my rights when dealing with a debt collection agency?
You have several rights under the Fair Debt Collection Practices Act (FDCPA). For instance, you can request validation of the debt.
Can they call me at any time?
No, they cannot call you at unreasonable hours. They are prohibited from calling before 8 AM or after 9 PM.
What if I think the debt is not mine?
You can dispute the debt. The agency must provide proof that you owe the debt if you request it.
What should I do if they harass me?
You should document the harassment and report it to the Consumer Financial Protection Bureau (CFPB) or your state attorney general.
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