What are my rights in debt collection?
An example of an AI chatbot conversation about understanding debt collection rights.
What are my rights when dealing with debt collectors?
You have several rights under the Fair Debt Collection Practices Act, including the right to be treated fairly and to dispute the debt.
Can debt collectors call me at any time?
No, debt collectors cannot call you at unreasonable hours. They are prohibited from calling before 8 AM or after 9 PM.
What should I do if a collector is harassing me?
You should document the harassment and report it to the Consumer Financial Protection Bureau or your state attorney general.
Can I request validation of the debt?
Yes, you can request validation of the debt within 30 days of being contacted by the collector.
What happens if I ignore a debt collector?
Ignoring a debt collector can lead to further collection actions, including lawsuits or negative impacts on your credit score.
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