Know Your Rights
Understanding Your Consumer Protection Rights
Federal and state law limits what debt collectors, creditors, and credit reporting agencies can do. Here's what those protections mean in plain language.
The Basics
Five Areas of Consumer Protection
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Fair Debt Collection Practices
Debt collectors cannot harass, threaten, or use abusive language. They must also call within reasonable hours and stop contacting you if you request it in writing.
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Credit Reporting Rights
You have the right to dispute inaccurate information on your credit report, and credit bureaus must reasonably investigate disputes within a set timeframe.
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Debt Validation
You can request written proof that a debt is valid and belongs to you. Collection efforts should pause until that validation is provided.
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Privacy Protections
Collectors are generally restricted from discussing your debt with your employer, family, or friends without your consent.
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Communication Restrictions
Collectors cannot call before 8:00 AM or after 9:00 PM, and cannot use robocalls or automated texts without your consent.
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Protection From Deception
Collectors cannot misrepresent the amount you owe, falsely claim to be attorneys or government officials, or threaten legal action they cannot take.
Take the Next Step
Think Your Rights Were Violated?
Request a free case review and let our team evaluate what happened.