This article explains the rights consumers have when facing credit card debt in collections. It highlights the Fair Debt Collection Practices Act (FDCPA) and offers guidance on navigating debt collection practices.
If you're facing severely delinquent credit card debt that has gone into collections, you might feel overwhelmed and uncertain about your options. After all, debt collection agencies can be persistent in their tactics to try and recover the money that's owed, and that can be intimidating, especially if the tactics the debt collectors are using become more aggressive over time.
Credit card debt generally goes into collections after prolonged delinquency, which typically occurs when payments are missed for 90 to 180 days. At that point, the creditor determines that the debt is unlikely to be repaid, so it may sell the account to a collection agency or assign it to a debt collector. These third parties are tasked with recovering the debt, and will generally employ various methods to do so. But while they have the right to contact you about the debt, you also have rights that protect you from unfair treatment and abusive practices — and understanding what they are can help you better navigate these challenges.Find out what your debt relief options are today.What rights do I have if my credit card debt is in collections?The Fair Debt Collection Practices Act (FDCPA), which is the primary federal law governing how debt collectors can operate, establishes clear rules about what debt collectors can and cannot do when attempting to recover a debt. Many states also have their own laws that provide further protections. By familiarizing yourself with the rights outlined below, you can take steps to ensure you're treated fairly and avoid common pitfalls associated with debt collection.Right to debt verification You have the right to request validation of the debt within 30 days of first being contacted by a debt collector. The debt collector must send you written verification of the debt, including the amount owed, the name of the original creditor and proof that they have the legal right to collect the deb
Credit Card Debt Debt Collection FDCPA Consumer Rights Debt Relief
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