How can you fight abuse if you don’t know what your rights are? The fair debt act was enacted to protect all credit consumers from abusive credit collection tactics but only those who know about it can seek protection from it.

The fair debt act makes provisions for the debt collector to attempt to get his debts paid but there are boundaries that can’t be trespassed by the collector. A debt collector can’t call you at the office if your employer frowns upon that but you have to communicate that in writing to the collector.

A collector also violates the act if he calls you at anytime of the night. Calls are only allowed between 8am and 9pm local time and repeatedly calling your number to harass you is not allowed by the act.

Getting your name published in newspapers are also illegal according to the act.  Your right to privacy should be respected in all your dealings unless you have filed for bankruptcy, foreclosure or lawsuit.

A debt collector should also give his name, his company and debt they are trying to collect every time they communicate with the debt consumer. Collectors can’t communicate their business with anyone else.

They can’t tell your employer the nature of their business and why they are calling you.

The fair debt act was written to protect the debt consumer in the process of debt collection but not to prevent consumers form repaying their debts.