What are the rules for communicating with debt collectors?
An example of an AI chatbot conversation about debt collector communication rules.
What are the rules for communicating with debt collectors?
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA). They can't call you at unreasonable hours or use abusive language.
Can they call me at work?
Yes, but only if you haven't told them not to. If you request them to stop calling your workplace, they must comply.
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.
Are there any debts they can't collect?
Yes, certain debts like student loans or taxes may have different rules. It's best to check the specifics of your situation.
How can I negotiate with a debt collector?
You can negotiate by offering a lump-sum payment or a payment plan. Make sure to get any agreement in writing.
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