Some of those practices and activities which are illegal are described below, but before we get to those, let’s go over the definitions we’ll be using.
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Collectors may not contact you at unusual times — specifically, they can’t call you before a.m. However, collectors may contact other people to find out where you live, work and what your phone number is.
Yes, but only if you write them a letter telling them to stop contacting you. Once the collector receives your letter, they may not contact you about the debt again, unless they’re doing so to tell you that the collector or creditor is going to take a specific action to resolve the debt.
You must send this letter to the collector within 30 days of the date you receive the written notification of the debt.
Once you dispute the debt in writing, the collector must stop trying to collect money from you until you receive written proof that you really owe the debt from the collector.
The Federal Trade Commission works for consumers to prevent fraudulent, deceptive and abusive business practices.