Federal and state laws protect you from unfair debt collection practices. Learn what collectors can and cannot do, how to dispute debts, and where to file complaints.
Collectors must send written notice of the debt within 5 days of first contact. You have 30 days to dispute it.
No calls before 8 a.m. or after 9 p.m. No threats, profanity, or repeated calls intended to harass.
Send a written request to cease contact and the collector must stop, except to notify you of specific actions.
You can sue a collector who violates the FDCPA in state or federal court within one year of the violation.
Practical strategies for dealing with debt collectors — communication techniques, documentation best practices, negotiation tactics, payment options, and how to protect your rights throughout the process.
Complete guide to disputing debts with collection agencies — validation rights, dispute letter templates, timeframes, credit bureau disputes, and what to do when the collector responds.
Complete guide to the FDCPA — what it covers, prohibited collector practices, your rights as a consumer, how to file complaints, and recent regulatory updates including CFPB Regulation F.
Comprehensive guide to medical debt collection — covering the No Surprises Act, CFPB rules, credit reporting changes, charity care programs, state protections, and strategies for resolving medical bills in collections.
If you believe a debt collector has violated your rights, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state attorney general. You can also consult with a consumer rights attorney, many of whom offer free initial consultations.