What are the laws regarding debt collection?
An example of an AI chatbot conversation about debt collection laws and consumer rights.
What are the laws regarding debt collection?
Debt collection laws vary by state, but they generally protect consumers from abusive practices. The Fair Debt Collection Practices Act (FDCPA) is a federal law that outlines what debt collectors can and cannot do.
Can debt collectors call me at any time?
No, debt collectors cannot call you at any time. They are restricted to calling between 8 AM and 9 PM, and they must stop calling if you request them to do so.
What should I do if a collector is harassing me?
If a collector is harassing you, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general. You may also want to consult with a lawyer.
Are there any debts that cannot be collected?
Yes, certain debts like some tax debts, student loans, and child support may have different collection rules. It's best to check the specific laws in your state.
How can I verify if a debt is legitimate?
You can request a validation notice from the collector, which should include details about the debt, such as the amount owed and the original creditor.
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