PROTECT YOURSELF THROUGH KNOWLEDGE
Few things are more stressful than seeing an unfamiliar 1-800 number pop up again and again. Debt collectors can be persistent—sometimes even relentless—calling multiple times a day, trying to reach you at work, or even contacting your friends and family. But here’s the good news: you have rights, and understanding those rights can help you take control of the situation instead of feeling powerless.
The Fair Debt Collection Practices Act (FDCPA), enforced by the Federal Trade Commission (FTC), sets strict rules about how collectors can and cannot behave. These laws are designed to protect you from harassment, deception, and unfair treatment.
Here are a few key things every consumer should know:
- Collectors cannot call before 8 a.m. or after 9 p.m., unless you’ve given them permission.
- They may not contact you at work if your employer prohibits such calls.
- If you’re represented by an attorney, all communication must go through your lawyer — not directly to you.
- Collectors can only contact third parties once, and only to obtain your location information.
- You have the right to request written validation of the debt they claim you owe. If they can’t provide proper documentation, they are not legally allowed to collect it.
If you receive a validation notice that seems inaccurate, you can send a written dispute within 30 days. Once your dispute is received, the collector must stop contacting you until they verify the debt in writing. This step is critical for protecting yourself from fraudulent or outdated collection efforts.
Also, remember: collectors cannot threaten you, use profanity, make false statements, or claim they’ll seize property or garnish wages without legal authority. If they violate these laws, you can report them to the FTC, the Consumer Financial Protection Bureau (CFPB), or your state attorney general’s office.
While it can feel intimidating, try to stay calm and professional when communicating with debt collectors. Many are willing to negotiate a settlement or payment plan that fits your budget — especially when you understand your rights.
At Emree Financial Solutions, we empower our clients to navigate these challenges with confidence. We provide education, personalized support, and proven credit restoration strategies to help you take back control of your finances. If you’re receiving collection calls or aren’t sure how to respond, we’re here to help you every step of the way.