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.
The FDCPA restricts debt collectors from contacting consumers before 8 AM or after 9 PM unless the consumer has agreed to it.
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.
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.
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.
