The Fair Debt Collection Practices Act (“FDCPA”), 15 U.S.C. § 1692, et seq., is a federal law that restricts debt collectors and protects you. The FDCPA affords you protection in a number of ways – see below for some examples.

Contact Waccamaw Law for more information.

Dispute the debt.

You can dispute that you owe the debt and ask the debt collector to provide you evidence that you are responsible for that debt. If they do not provide you this evidence, they may stop contacting you. It is important to understand that if they stop contacting you, it does not mean you are released from your obligation to pay the debt.

Hire a lawyer.

If you have hired a lawyer, generally, the debt collector should be contacting the lawyer instead of you.

Tell the debt collector when
they can contact you.

The FDCPA prohibits debt collectors from contacting you about a student loan at a time or place they know is inconvenient. You can inform the debt collector how and when you may be contacted about your student loan debt.

Demand the debt collector cease all communication.

The FDCPA also affords you the right to demand a debt collector stop contacting you at all.

It is important to understand that restricting or stopping contact from a debt collector does not release you from your obligation to pay the debt. Therefore, it will not prevent other collection activity such as reporting the defaulted account on your credit report or your creditor filing a lawsuit against you for failure to pay. We can help you understand your options.


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