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Know Your Rights

Understanding Your Rights Under Federal Debt Collection Laws

You Are Protected by Law

The Fair Debt Collection Practices Act (FDCPA) provides you with important protections when dealing with debt collectors. We are committed to complying with all applicable laws and respecting your rights throughout the collection process.

Right to Debt Validation

Within 5 days of our initial contact, we must send you a written notice containing:

  • The amount of the debt
  • The name of the creditor
  • A statement of your right to dispute the debt
  • Information about how to obtain the original creditor's information

Right to Dispute

You have 30 days from receiving our initial notice to dispute the debt in writing. If you dispute:

  • We must stop collection activities until we provide verification
  • We must obtain and send you proof of the debt
  • Disputing does not eliminate a valid debt, but ensures accuracy

Right to Stop Communication

You can request in writing that we stop contacting you. After receiving your request, we may only contact you to:

  • Confirm we will stop contacting you
  • Notify you of specific legal actions we may take
  • Note: This does not eliminate the debt or stop legal proceedings

Right to Reasonable Contact

We are prohibited from:

  • Calling before 8 AM or after 9 PM in your time zone
  • Contacting you at work if you tell us not to
  • Contacting you directly if you have an attorney
  • Calling repeatedly to harass you

Right to Fair Treatment

We are prohibited from:

  • Using threats, harassment, or abusive language
  • Making false statements about the debt
  • Misrepresenting ourselves or the debt amount
  • Publishing your name on a "bad debt" list
  • Adding unauthorized fees or charges

Right to Sue

If we violate the FDCPA, you have the right to:

  • Sue us in state or federal court within one year
  • Recover actual damages you suffered
  • Collect up to $1,000 in statutory damages
  • Have your attorney's fees paid by us if you win

How to Exercise Your Rights

To exercise any of your rights, we recommend putting your request in writing and sending it via certified mail with return receipt requested. This creates a record of your communication.

Important Note

Exercising your rights does not make a valid debt go away. If you owe the debt, you are still responsible for paying it. However, you have the right to ensure the debt is accurate and that you are treated fairly throughout the process.

Filing a Complaint

If you believe your rights have been violated, you can file a complaint with:

Regulatory Agencies

Consumer Financial Protection Bureau (CFPB) Federal Trade Commission (FTC) Your State Attorney General's Office

Contact Us About Your Rights

If you have questions about your rights or wish to exercise them, please contact us:

American Compliance Legal Services

31 Hayward St, Suite 2A-213, Franklin, MA 02038

(877) 679-8196

rights@americancompliancelegalservice.com