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Resource4Me Guide

Stop the Harassment: Federal Laws That Protect You From Debt Collectors

The Fair Debt Collection Practices Act sets strict rules about when, how often, and how debt collectors can contact you.

Debt collection calls, texts, and letters can feel relentless and frightening, but federal law gives you real power to stop illegal harassment and demand respectful treatment. Many collectors violate these laws hoping you don't know your rights. Understanding what is allowed and what is forbidden helps you take control. This debt collectors rights guide explains your protections and the steps to enforce them.

 

Who This Guide Is For

People receiving calls from collectors outside permitted hours, such as before 8 a.m. or after 9 p.m.
 
Individuals who have been threatened or verbally abused by a debt collector
 
Anyone who wants to understand their legal protections against debt collection harassment
 
Read the Full Guide  →

Did you know? You can send a written request to collectors to stop contacting you, and they must honor it or face federal penalties.

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