Your Rights

Your Consumer Credit Rights

Your Legal Consumer Rights

The following is a summary of your consumer rights

• Debt Communication

  Collection agencies may not communicate with a debtor during an inconvenient time or place. The FDCPA states that only appropriate times to contact the debtor are between 8 a.m. and 9 p.m. Additionally, the collection agency cannot communicate with anyone other than the debtor. If a debtor has legal representation, the collection agency cannot directly contact him or her directly.

• Debt Collection Harassment

  A debt collection agency is forbidden to harass a debtor. This includes threatening violence or any other criminal action that could harm the consumer’s body, property, or reputation. In addition, agencies may not use offensive or crude language, or report a debtor to anyone other than credit bureaus or the court system.