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Is Living Financial calling you?*

Here's what you need to know.

Due to the growing national debt crisis, it is very common for people to be sent to collections through no fault of their own. People lose their jobs, receive disability, forget to pay or experience an economic downturn. No matter the reason, debt collectors will call, text, and e-mail you in order to recover a debt, and they can be very threatening. If you are being harassed by a debt collector, read about your rights below.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to protect consumers from being intimidated and harassed by third-party debt collectors. It regulates what collection agents may or may not do during their communications with consumers and prohibits actions like the following:

• Using profane and obscene language

• Calling you at work when they know that your workplace won’t let you take such calls

• Discussing the debt with anyone except you, your spouse, or your attorney

• Trying to collect an amount not authorized by law or by the original creditor agreement

• Calling you at all hours of the day and night

• Keep calling you and sending letters after you dispute a debt