Question 1

What is an FDCPA debt validation request?

Accepted Answer

Under the Fair Debt Collection Practices Act (15 U.S.C. § 1692g), you have the right to request that a debt collector verify the debt in writing within 30 days of first contact. Once you send a validation request, the collector must pause all collection activity until they provide verification.

Question 2

Can I legally tell a debt collector to stop contacting me?

Accepted Answer

Yes. Under 15 U.S.C. § 1692c(c), you can send a written cease and desist notice instructing a collector to stop all contact. Once received, the collector may only contact you to confirm they are ceasing contact or to notify you of a specific action (such as filing suit).

Question 3

What tactics are debt collectors prohibited from using?

Accepted Answer

The FDCPA prohibits calling before 8am or after 9pm, calling your workplace if told not to, using threatening or abusive language, making false statements about the debt or legal consequences, contacting third parties (other than to locate you), and collecting amounts not authorised by the original agreement.

Question 4

What should I do if a debt collector violates the FDCPA?

Accepted Answer

Document every violation with dates, times, and call details. You can file a complaint with the CFPB and your state attorney general. You may also sue the collector in federal or state court and recover up to $1,000 in statutory damages plus actual damages and attorney fees.