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Many people fall behind on paying their bills or have trouble getting out of debt. Debt can be embarrassing, stressful, and leave you feeling vulnerable. Debt collectors may try to take advantage this. Fortunately, there are laws that protect you by prohibiting certain actions by debt collectors.
The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates the conduct of debt collectors. The law protects consumers from deceptive, harassing, or unfair debt collection practices. Many states also have laws to regulate debt collection practices. Some of the federal law protections are summarized below.
The FDCPA provides consumers with certain additional rights. For example, a debt collector must provide you with information concerning the amount of the debt and the creditor to whom the debt is owed, and provide you 30 days to dispute the debt. If you dispute the debt in writing, the collector must provide you with verification of the debt. Moreover, if you advise the creditor in writing that you refuse to pay the debt and want the collector to stop contacting you, the collector must cease further communications with you (with limited exceptions).
Nichols Kaster understands how unfair it can feel to take on a debt collector on your own. Please contact us contact us if you have been a victim of any of these or other illegal debt collection practices. Our experienced class action attorneys practice nationwide and we would like to hear from you.