If you are having financial problems, you may have been contacted by bill collectors and collection agencies. It is important for you to know your rights so that you may avoid unnecessary harassment.

Federal Law prohibits Unfair Debt Collection Practices.

The Fair Debt Collections Practice Act regulates the Conduct of Debt Collectors. Third party debt collectors may not:

1. Contact you at inconvenient times or places, such as before 8 a.m. or after 9 p.m.
2. Contact you when they know you are represented by an attorney.
3. Contact you at work if they know your employer does not allow you to receive calls at work.
4. Contact you if you notify them in writing not to contact you.
5. Communicate with third parties other than to determine your location.
6. Use obscene language or threaten violence.
7. Take any action that cannot be legally taken or that it does not intend to take.
8. Threaten to have you arrested or your property seized if you do not pay the debt.

In addition the third-party collector must be able to validate the amount of the debt, the name of the creditor to whom it is owed and must advise you that it is attempting to collect a debt.

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