What rights do I have when a debt buyer contacts me?

Q: What rights do I have when a debt buyer contacts me?

You have significant rights under the Fair Debt Collection Practices Act (FDCPA) and the Texas Debt Collection Act (TDCA) . These laws protect you from harassment, false or misleading representations, and unfair collection practices. You have the right to demand proof of the debt and to tell them to stop contacting you.

You have significant rights under the Fair Debt Collection Practices Act (FDCPA) and the Texas Debt Collection Act (TDCA). These laws protect you from harassment, false or misleading representations, and unfair collection practices. You have the right to demand proof of the debt and to tell them to stop contacting you.