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LaToya Irby

Debt Collectors Actually Have Rules to Follow

By March 2, 2011

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They may not act like it when they call you, but debt collectors have rules that must be followed when they contact you about a debt. For example, the collector can't call you before 8:00 am.

Debt collectors' guidelines are outlined in the federal law known as the Fair Debt Collection Practices Act, aka the FDCPA. When your rights under the FDCPA have been violated, you can file a lawsuit against the collector in state or federal court. Before you file suit, make sure you have solid proof of the violation.

For more information on the FDPCA and the rules that collectors must follow read Fair Debt Collection Practices Act Overview.

More on Debt Collection:

November 16, 2009 at 9:52 am
(1) Tina Cacciotti says:

I need some help, it’s a long story but my x husband has a line of credit and put it threw my account yrs ago threw a friend at the bank telling me it will be better to have this line of credit together in one account so I got suckered I guess in thinking I was doing a good thing. Now I have proof of checks for the credit line going to garage dept and not me personally or him and when this went through the bank she never told me I co-signed for this and never checked my credit because I was just getting off of assistance and working for my x husband, so there is no way I could have co-sighed for this but he pulled strings somehow and now i’m sucked in . They are going after me and I am a single mom and don’t have a good income to even fight with and settle this and it’s not even my dept. I would like someone to call me or get back to me to see if I can get help in letting me know what I can do about this.
I got this site from a friend and he said you guys are very helpful.
Tina Cacciotti

November 18, 2009 at 4:00 pm
(2) Tina Cacciotti says:

I have sent some info couple of days ago I need some help please give me a # or something I can speak with someone.

Thank you

May 27, 2010 at 2:35 pm
(3) Peter Stern says:

There are rules for debt collectors when pursuing consumer debt. These rules only apply to 3rd party debt collectors, and are not the same if the original creditor (business) is trying to collect their debt.

July 6, 2011 at 3:50 pm
(4) richard says:

you were of age, you signed, you’re responsible. PAY IT!

May 12, 2012 at 7:07 pm
(5) MJR says:

I received a collection notice from a collection agency. I have never received a bill from the original billing company. Is this a violation to send my bill directly to a collection agency before sending me a bill.


November 26, 2012 at 8:22 pm
(6) gloria says:

No its not. You knew of the payments why didn’t you keep up with your monthly payments. The only reason it went into collections u skipped a pymt or you didn’t make the monthly payments you agreed too..

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