Note: this article paraphrases the nature of this law. For the complete law itself, go to the Federal Trade Commission website.

Note: You are responsible for your Debts however you do have specific rights with regard to how you are treated while handling certain debt obligation.

If you fall behind on paying your bills or there has been an error on a monthly financial commitment you may be contacted by a Debt Collector.

A Debt Collector is any person, lawyer, or creditor, who regularly collects debts owed to others.

You have a right to be treated fairly by Debt Collectors.

This act applies to:

• Personal Debts
• Family Debts
• Household Debts

Money Owed For:

• Automobile Purchase
• Medical Care
• Charge Accounts

The FDCPA prohibits debt collectors from engaging in unfair, deceptive, or abusive practices while collecting debts:

• Debt Collectors may contact you between 8am and 9pm (your time zone of course).
• Debt collectors may not contact you at work if they know your employer disapproves. (Your Employer Always Disapproves.)
• Debt Collectors may not Harass, Oppress, or Abuse you in any way.
• Debt Collectors may not lie when collecting debts, such as falsely imply that you have committed a crime.
• They must identify themselves to you on the phone (give their name and contact information).
• Collectors must stop contacting you if you ask them IN WRITING. (Note: Send Letter Certified Mail Return Receipt).
• Document all conversations with creditor.
• Creditor must show written evidence of anything they say you owe

Most important! Keep your cool…