YOUR RIGHTS · DEBT COLLECTION
Know the federal limits
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Call limit
calls per debt, per week
More than that is presumed harassment under Regulation F.
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After you talk
with no calls about that debt
The day you talked counts as day one.
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Banned hours
no calls before 8 a.m. or after 9 p.m.
Tell them other times that do not work for you.
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Make them stop
asking them to cease contact
Send it by certified mail and keep a copy.
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If they break the law
in extra damages, plus actual damages
File within 1 year, or report them to the CFPB.
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Know your rights
Read the full guide
nexgenheadlines.com
Photo: Dennis Cortés / Wikimedia Commons, CC0