📱 🤨 Be prepared if you’re ever faced with debt collectors!
Federal law prohibits third-party debt collectors from using unfair, deceptive, or abusive tactics to collect money from you.
The Fair Debt Collection Practices Act (FDCPA) governs the actions of individuals and companies who regularly collect debts on behalf of other businesses. The FDCPA specifies how a collector can and cannot deal with you when collecting your personal debt.
Knowing your rights under the law can help to protect your dignity and well-being as you seek financial stability.
⬇️ Acceptable Communication Practices
If you don’t have an attorney, a third-party debt collector may contact other people only to find out your current address, phone number, and where you work. Other than to obtain this location information about you, a debt collector is generally prohibited from mentioning your debt to anyone but you, your spouse, or your attorney. If you’re a minor, the information can be discussed with your parent or guardian.
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