[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-275599-105":53,"doc-detail-275599-en":126},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":119,"head_meta":121,"extra_data":123,"updated_unix":125},105,"en","fair-debt-collection-practices-act-debt-collection-rights-and-dealings-guide","Fair Debt Collection Practices Act - Debt Collection Rights and Dealings Guide","","The Fair Debt Collection Practices Act (FDCPA) is a federal law that restricts debt collectors from harassing, abusing, misleading, deceiving, or being unfair to individuals, including limits on when and how contact may occur. It defines who qualifies as a debt collector versus a creditor collecting its own debts. 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After receiving it, the debt collector cannot contact you again except to make limited statements, such as notifying you no further contact will occur or that an action like a lawsuit will be taken.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},275599,1790203059,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":20,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":73,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":139,"read_time":9},2336478466772,"https://ap-avatar.wpscdn.com/davatar_3d24733baf745e90a7e4bdd5f77d97b2","What is the Fair Debt Collection Practices Act?  \nThe Fair Debt Collection Practices Act (FDCPA) is a federal law that makes it illegal for a debt collector to harass, abuse, mislead, deceive or be unfair to you , whether or not you owe the debt. This law covers personal, family and household debts, but it does not cover business or commercial debts.  \nWho is a debt collector?  \nA debt collector is anyone who regularly collects debts for others. The Fair Debt Collection Practices Act doesn’t apply to creditors who collect their own debts. In other words, if you owe money to a business, that business is not considered a debt collector. However, a debt collection agency is covered under the FDCPA.  \nHow should I deal with debt collectors?  \nOnly deal with debt collectors in writing. Refuse to talk with them in person or by telephone. Debt collectors prefer to talk to you because it works to their advantage. Written communication works to your advantage because you have a record of everything that they say. Debt collectors are less likely to use unfair or deceptive tactics if they have to put what they say in writing. Remember that you do not have to communicate with debt collectors, verbally or in writing. Save copies of all  \ncommunication between you and the debt collector. It may prove helpful later on. Also, keep written notes every time a debt collector contacts you including the date and time of the contact and what they say.  \nWhat specific actions are not allowed under the FDCPA?  \nDebt collectors cannot harass, oppress or abuse you. For example, a debt collector:  \n• cannot threaten to physically harm any person or his property;  \n• cannot call before 8 am or after 9 pm;  \n• cannot call you at work if they know your employer prohibits such calls;  \n• cannot repeatedly call to harass you;  \n• cannot use abusive, profane or threatening language;  \n• cannot tell others about your debt (except a credit bureau);  \n• cannot pretend or lead you to believe that they are attorneys or government representatives;  \n• cannot tell you that you have committed a crime by not paying the debt or that you will be arrested if you don’t pay the debt immediately;  \n• cannot threaten to do things they cannot actually do, or do not intend todo;  \n• cannot make you accept collect calls or pay telegram fees ; and  \n• must tell you who they are and who they work for when they call.  \nCan I stop a debt collector from contacting me?  \nYes. You can stop a debt collector from contacting you by sending them a “Cease Contact” letter. After receiving the letter, the debt collector cannot contact you again, except to say that you will not be contacted again or to tell you that an action, such as a lawsuit, will be taken. For a sample “Cease Contact” letter, go[to www.MontanaLawHelp.org. Make sure](to www.MontanaLawHelp.org. Make sure)[ ](to www.MontanaLawHelp.org. Make sure)you keep a copy of all the letters you send to debt collectors and anything you get from them.  \nWhat if I don’t owe some or all of the money the debt collector is trying to collect?  \nWithin 30 days of first being contacted by the collector, send a letter stating that you do not owe some or all of the money. The collector must then stop collection efforts and prove that you owe the debt. The collector may restart collection efforts only after giving you proof of the debt, such as a copy of the bill. For a sample“Debt Verification” letter, go to [www.MontanaLawHelp.org. Make sure to](www.MontanaLawHelp.org. Make sure to)[ ](www.MontanaLawHelp.org. Make sure to)[keep a copy.](keep a copy.)  \nWhat is the debt collector required to tell me about the debt?  \nWithin 5 days after first contacting you, the debt collector must send you a written notice telling you the amount of money you owe, the name of the creditor, and  \nwhat to do if you don’t think that you owe the money.  \nWhat should I do if I think a debt collector is violating the law?  \nYou should contact an attorney or Montana Leg","cbCairYD9BuQ3HbA","https://ap.wps.com/l/cbCairYD9BuQ3HbA","pdf",55866,"English","# What is the Fair Debt Collection Practices Act?\n# Who is a debt collector?\n# How should I deal with debt collectors?\n# What specific actions are not allowed under the FDCPA?\n# Can I stop a debt collector from contacting me?\n# What if I don’t owe some or all of the money?\n# What is the debt collector required to tell me about the debt?\n# What should I do if I think a debt collector is violating the law?\n# What if a creditor contacts me instead of a debt collector?\n# How do I get more help?","[{\"question\":\"Who does the FDCPA cover, and who is excluded?\",\"answer\":\"The FDCPA covers personal, family, and household debts and applies to debt collectors. It does not cover business or commercial debts, and it generally does not apply to creditors collecting their own debts.\"},{\"question\":\"What are key restrictions on debt collectors under the FDCPA?\",\"answer\":\"Debt collectors may not harass, oppress, or abuse you. Common prohibited conduct includes threatening harm, calling outside allowed hours, harassing through repeated calls, using abusive language, disclosing your debt to others (with limited exceptions), or misrepresenting their status.\"},{\"question\":\"How can I stop a debt collector from contacting me?\",\"answer\":\"Send a “Cease Contact” letter. After receiving it, the debt collector cannot contact you again except to make limited statements, such as notifying you no further contact will occur or that an action like a lawsuit will be taken.\"}]","Fair Debt Collection Practices Act - Debt Collection Rights and Dealings Guide | PDF",1789488479]