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Debt Collection Rights

If you have large amounts of debt, you still have certain rights. At the most basic level, you have the right to be treated fairly by the parties who interact with you regarding your debt, such as your creditors and debt collectors. These rights are guaranteed by laws like the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Below are a few of your most important rights regarding debt collection. If you feel your rights were violated, discuss your case with an experienced consumer credit protection lawyer to determine the right legal action to take.

The Right to Seek Proof that you Owe Money
As an individual who receives debt collection attempts, you have the right to contact your creditor to ask for written proof that you actually do owe the money. You may also tell the collector in writing that they are not to contact you with further collection attempts until you have received this proof from your creditor.

The Right to be Treated Fairly and Respectfully by Debt Collectors
Many of the provisions of the Fair Debt Collection Practices Act (FDCPA) outline and protect your rights as a consumer interacting with debt collectors. These include:

  • The right to not be bothered during inconvenient times, which is typically considered to be between the hours of 8:00 a.m. and 9:00 p.m. If your debt collector knows that other time frames are inconvenient for you and chooses to contact you anyway, they are violating your rights;
  • The right to be spoken to in a courteous manner. Threats and foul language are violations of the consumer’s rights;
  • The right to have your debt and all legal requirements related to its collection explained to you plainly, clearly, and in no effort to mislead you;
  • The right to not be lied to during interactions with a debt collector. Lies debt collectors employ in efforts to recover debts sometimes include impersonating law enforcement and claiming that the consumer will go to jail if he or she does not pay; and
  • The right to refuse to consent to the disclosure of your debt to certain parties.

The Right to Seek Compensation for your Damages Related to Unfair and Abusive Debt Collection Practices
If you suffer damages because of the rights violation you face, you have the right to seek compensation for those damages. Your damages could include actual and statutory damages, emotional distress, and the cost of working with a lawyer to take legal action against your debt collector. This often includes suing the debt collector.

Work with an Experienced Consumer Credit Protection Lawyer
If you are now facing inaccurate information on your credit report or you suffered financial damages because of a violation made by a debt collector, you may exercise all of the rights listed above. To learn more about your rights, contact our team of experienced consumer credit protection lawyers by calling (312) 909-6089 today to set up an initial consultation.


If you are being harassed by Debt Collectors, call Consumer Credit Protectors today at
(312) 909-6089 to see how we can help.