Credit Card Debt Relief: CFPB Rights and Protections
By Consumer Financial Protection Bureau | 6 min read
Know your rights when dealing with credit card debt. CFPB protections and debt collection regulations.
The CFPB protects consumers from abusive debt collection practices. Your rights include: Debt collectors must validate debts when requested, You can dispute inaccurate debts in writing, Collectors cannot call before 8 AM or after 9 PM, You can request collectors stop calling (must be in writing). If sued for debt, respond to court papers and consider contacting a legal aid attorney. Debt collectors cannot garnish wages without court order in most states.\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)