Hi Friend,

Being in debt doesn’t give collectors the right to harass, threaten, or treat you unfairly. It’s time you know your rights. Your landlord may have hired a professional debt collection agency and even reported you themselves, but they don’t have the right to abuse their power.

Take control of the way your debt is handled. Here’s how:

Know your Rights

There are federal laws in place that can protect you from abusive, unfair, or deceptive practices to collect debts from you, including: Misrepresenting the nature of the debt.

What Can Harassment Look Like?

- Late night or early calling: A debt collector may contact you in the hours of 8AM through 9PM, after that it is typically unlawful especially if it feels non-stop.

- Publicly posting the debt: Although a collector can privately message you on social media, they have no right posting their claim.

Understand the FDCPA

The FDCPA ensures that the individual who owes the collector is still entitled to their rights in the process. For example:

• Put it in writing: You have the right to stop all communication with the third-party debt collector if you are no longer comfortable. 

• You have every right to dispute the debt’s credibility: If you believe there is foul play, don't hesitate to report it.

Getting behind happens, and we want to make sure you have a fighting chance at getting back on your feet. Take control of your narrative today.

Not your story? Share this with a family member or friend who might relate to this today!

Hope this helps,

Working America