Question

What are my rights when it comes to debt collectors?

Answer

A debt collector may not use threats of violence or harm, use obscene or profane language; or repeatedly use the telephone to annoy someone, falsely imply that they are attorneys or government representatives; falsely imply that you have committed a crime; falsely represent that they operate or work for a credit bureau; misrepresent the amount of your debt; indicate that papers being sent to you are legal forms when they are not; falsely imply that you will be arrested if you do not pay your debt; falsely imply that they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so; give false credit information about you to anyone, including a credit bureau; send you anything that looks like an official document from a court or government agency when it is not; or use a false name, and they may not call you before 8:00 AM or after 9:00 PM.

This is only a handful of your rights when it comes to debt collectors. For more information about your rights, stay tuned to my blog..