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Your Debt Collection Rights

Since the start of the Great Recession in 2008, Americans have had a hard time keeping a roof over their heads and food on the table. All too often, there just isn’t enough money left over to pay the bills. This means that more consumers than ever before are falling prey to unscrupulous debt collectors who will go to any length to get folks to pay up.

If you’re receiving debt collection letters or debt collection agency phone calls, it’s imperative that you understand your debt collection rights. Knowledge is power, and when you know the difference between legal and illegal debt collector behavior, you can draw a line in the sand and let debt collection agencies know that they can’t browbeat or threaten you.

The primary law that protects you is the federal Fair Debt Collection Practices Act. Originally enacted in 1978, the FDCPA outlines exactly what debt collectors and debt collection agencies can and cannot do in an attempt to collect a debt. It also outlines your right to dispute a debt, and the responsibility of the debt collector to prove that the debt is yours to pay.

Click on a link below to learn more about your debt collection rights, or how to formulate your own debt collector action plan.

Original Debt vs. Third-Party Debt – The Fair Debt Collection Practices Act regulates third-party debt collectors. Learn the difference between first- and third-party debt collection.

How Debt Collectors Find You – Debt collectors employ a number of tactics to track down consumers. Learn more about your digital footprint, data mining, and third-party contacts, along with cases of mistaken identity.

Illegal Debt Collection Practices – The FDCPA specifies debt collection practices that are illegal. Learn more about how debt collectors may violate the law by harassing you, threatening you, or misleading you.

5-Day Debt Validation Notice – Within five days of initially contacting you, the law states that a debt collector has to send you a written notice. Learn about the information that the notice must contain and how to avoid default judgment.

30-Day Dispute Period – Once you receive the first written notice from a debt collector, you have 30 days to dispute the debt. Learn why and how to dispute a debt, and what to do after the debt dispute.

Your Debt Collector Action Plan – If you’re being contacted by debt collectors, you need a plan. Learn about the eight steps you can take to regain control of the situation.

How to Stop Debt Collectors – Ready to stop debt collectors in their tracks? Learn the three primary ways to stop debt collector abuse.

Debt Collection Attorneys – Receiving a letter from a debt collection attorney can be scary, but you should know that law firms that send debt collection notices are usually bound by the Fair Debt Collection Practices Act. Learn why letters from debt collection attorneys may violate the FDCPA.

How to Sue a Debt Collector – Suing a debt collector may seem like a daunting ordeal, but we do it all of the time. The FDCPA gives you the right to sue a debt collection agency that violates the law. Learn how to sue a debt collector, and why having a fair debt attorney represent you may be better than going it alone.

Lemberg & Associates’ team
of consumer attorneys is highly
skilled and ready to help you
with debt collector abuse.

If you have been the victim of harassment or illegal or unfair debt collection practices, Lemberg & Associates will discuss your options with you and protect your rights. For more information, contact Lemberg & Associates today at .

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"The FDCPA is a consumer protection statute and was intended to permit, even encourage, attorneys like Lemberg to act as private attorney generals to pursue FDCPA claims."

U.S. Ninth Circuit Court of Appeals, Evon v. Law Offices of Sidney Mickell
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