Collection Agency Rights: FDCPA Consumer Protections
By Federal Trade Commission | 7 min read
Know your rights under the Fair Debt Collection Practices Act. CFPB guidance on debt collector limitations.
The Fair Debt Collection Practices Act protects consumers from abusive debt collectors. Your rights: Debt validation within 30 days of first contact, Dispute debts in writing, Stop harassment by requesting communication cease, Sue for FDCPA violations. Collectors cannot: Call before 8 AM or after 9 PM, Contact you at work if prohibited, Use abusive language or threats, Misrepresent debt amounts. File complaints with CFPB and state attorney general.\n\n**Related Resources**\n- [Financial Planning Tools](/tools)\n- [Budget Calculator](/budget-planner)\n- [Credit Guide](/category/Debt%20%26%20Credit)\n- [Money Saving Tips](/category/Save%20Money)