The Fair Debt Collection Practices Act prohibits debt collectors from the following:

  1. They have received your request and further efforts to collect the debt are terminated (note that this does not mean that you no longer owe the debt.)
    ii. That certain actions may be taken by the collector.
    iii. That the collector is definitely going to take certain actions.

Your Right to Dispute the Debt

The debt collector is obligated to inform you about your right to dispute the debt (failing to do so is a violation of your FDCPA rights) in the debt validation letter that they send to you five days after their initial contact.

Once you receive this letter, you can dispute the debt by sending a letter back to the collection agency asking for further verification of the debt and details confirming that the debt is indeed yours. The debt collector is required to respond and cease all communication with you during the period within which the debt is being verified.

Please note that you are required to dispute the debt within 30 days of receiving a debt validation letter.

Overall, the FDCPA serves as a vital tool in protecting consumers from abusive and unfair debt collection practices, ensuring that they are treated fairly and respectfully throughout the debt collection process.

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