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How to Deal with Debt Collectors

There are federal laws that lay out how and when a debt collector may contact you.  These times are not before 8 a.m., after 9 p.m., or while you’re at work if they know that your employer doesn’t approve of the calls. Collectors may not harass you or lie to you.  They cannot use unfair practices when they try to collect a debt. They must honor requests in writing from you to stop further calls.

Federal Trade Commission

The Federal Trade Commission (FTC) is the consumer protection agency that enforces the Fair Debt Collection Practices Act (FDCPA).  The FDCPA is who protects you from debt collectors using abusive, unfair, or deceptive practices to collect from you.

The FDCPA defines a debt collector as person who regularly collects debts owed to others. These include collection agencies, lawyers who collect debts on a regular basis, and companies that buy outstanding debts and try to collect them.