Your Rights

Federal and state laws regulate how debt collectors may deal with you when collecting consumer debt. Even if you owe the debt and are unable to pay it you still have rights. Debt collectors CAN NOT:

  • Yell, swear at, or insult you.
  • Call your workplace if you have told them not to.
  • Contact you before 8:00 am or after 9:00 pm or in any way that the debt collector knows is inconvenient to you, such as calling in the daytime if the debt collector knows you work at night.
  • Inform your friends, neighbors, or family members (except your spouse) that you owe money to someone, or call your friends & family members repeatedly.
  • Harass you in any other way, like calling multiple times in one day or calling immediately after you hang up with them.
  • Make Robo-calls or texts to your cell phone.
  • Threaten a lawsuit if they do not intend to file one, or threaten liens or wage garnishment unless they already have a judgment against you.
  • Threaten to have you arrested.

If debt collectors are doing any of these things you need to contact us right away so we can help you record and stop the violations and recover damages that you have incurred. See Stop the Calls for how you can begin to protect yourself now.

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