Third-party debt collection agencies are governed by the Fair Debt Collection Practices Act (FDCPC), which prohibits abusive collection practices and provides consumers with means to dispute inaccurate debt information. However, even if the collection agency is seeking to collect a valid debt, you still have rights under the FDCPA. Collection agencies often do not obey the laws put in place to protect consumers against abusive and illegal collection practices, and instead use tactics that violate these rules and regulations. When collection agencies act illegally, they may be liable for the damages caused by their illegal tactics.
If you believe that a debt collector has made abusive and harassing calls, made false or misleading statements, failed to provide documentation upon request, or used unfair methods to collect a debt, it is important to take legal action to uphold your rights.