FREE FDCPA Consumer Rights Questions and Answers
If a consumer sends a written request to a debt collector to cease communication,
what must the debt collector do under the FDCPA?
Once a debt collector receives a written request from a consumer to cease communication, they must stop all contact except to inform the consumer of specific actions, such as legal proceedings, being taken.
Under the FDCPA, what is a consumer's right if they dispute a debt in writing within 30 days of receiving the initial communication?
If a consumer disputes a debt in writing within 30 days, the debt collector must provide verification of the debt and cannot continue collection efforts until the verification is provided.
What actions are debt collectors prohibited from taking under the FDCPA?
The FDCPA prohibits debt collectors from contacting the consumer’s employer without permission, using abusive or threatening language, and misrepresenting the amount or status of the debt.
What must a debt collector include in the first written notice to a consumer under the FDCPA?
The initial written notice must include the amount of debt, the name of the creditor, and a statement about the consumer’s right to dispute the debt within 30 days.
Under the FDCPA, when is a debt collector prohibited from contacting a consumer?
The FDCPA restricts debt collectors from contacting consumers before 8 AM or after 9 PM unless the consumer has agreed to it.