What are my rights against debt collectors?
An example of an AI chatbot conversation about rights against debt collectors.
What are my rights when dealing with debt collectors?
You have several rights under the Fair Debt Collection Practices Act (FDCPA). For instance, debt collectors cannot harass you or use deceptive practices.
Can they call me at any time?
No, they cannot call you at unreasonable hours. They are prohibited from calling before 8 a.m. or after 9 p.m. unless you agree to it.
What should I do if they threaten me?
If a debt collector threatens you, it's important to document the conversation and report them to the Consumer Financial Protection Bureau (CFPB) or your state attorney general.
Can I stop them from contacting me?
Yes, you can send a written request to the debt collector asking them to stop contacting you. They must comply with your request.
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