Is a debt collector calling? What can you do? What are your rights? The Fair Debt Collection Practices Act (FDCPA) makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. Here are some answers to frequently asked questions about your rights.
What To Know About Debt Collection
What types of debts are covered under the law?
You have important rights under the FDCPA for your credit card debt, car loans, medical bills, student loans, mortgage, and other household debts. Business debts are not covered by the FDCPA.
Are debt collectors allowed to contact me at any time or place?
No. The law limits how and when a debt collector can contact you about covered debts. There are also ways to stop a…