Under the FDCPA, you have the right to:
- Stop communication from debt collectors by sending a written cease-and-desist letter or refuse to pay letter.
- Dispute the debt within 30 days of initial contact, requiring the debt collector to verify it before continuing collection efforts.
- Be free from calls before 8 a.m. and after 9 p.m.
- Prevent collectors from contacting third parties, except to obtain basic information like your address or phone number.