The Fair Debt Collection Practices Act gives you powerful protections against debt collectors. This playbook shows you how to use them.
Your FDCPA rights
Federal law prohibits debt collectors from using abusive, unfair, or deceptive practices.
- Right to request debt validation
- Right to stop calls and communications
- Protection from harassment and threats
- Limits on when and how they can contact you
- Right to sue for violations
Validating the debt
Always request validation in writing within 30 days of first contact. The collector must prove you owe the debt.
Stopping contact
A written cease communication letter stops most contacts, though they can still sue you.
Disputing and negotiating
If the debt is not yours or the amount is wrong, dispute it in writing. You can also negotiate settlements.
Resource FAQ
Can debt collectors call my work?
Only if you have not told them to stop. They cannot call if they know your employer disapproves.
What if the debt is past the statute of limitations?
They cannot sue you for time-barred debt, but they can still attempt collection. Making a payment can restart the clock.
Need a demand letter?
Generate a free, professional demand letter in minutes.
Generate Your Demand Letter Now