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Understanding your rights under the FDCPA

Understand Your Rights Under FDCPA

What collectors can’t do, how to respond, and where to get help.

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The FDCPA limits abusive, deceptive, and unfair debt collection practices — know what protections the law provides and how to use them.

Steps if your rights are violated

  • Send a debt validation request within 30 days.
  • Document all communications and request written confirmation.
  • File a complaint with the FTC and your state Attorney General.
  • Consult an attorney — you may be entitled to damages and legal fees.