This is the law that governs how collection agencies may operate their business.
Under the FDCPA, within five days of contacting you about a debt, a debt collector is legally required to send you a written notice:
Detailing how much you owe
|
|
---|---|
Including the original name of the creditor
|
|
Notifying you of your rights if you believe you do not owe the money
|
If you don't receive this proper notification, we often recommend that consumers do not speak or deal with a collection agency except to contact the agency and demand that they provide this to you under the terms of the FDCPA.
The debt collector is required to send you documented proof of the debt you owe, or by law, they must stop contacting you.
Calling you at work
|
|
---|---|
Threatening to take action against you |
|
Issuing a warrant for your arrest |
|
Using obscene language |
|
Talking to your friends or family members about a debt
|