06/11/2026
The FDCPA gives you weapons most people never use.
When a debt collector contacts you:
1. You have 30 days to demand debt validation in writing.
2. They must STOP collection activity until they prove the debt is valid and that they have the legal right to collect it.
3. They cannot call before 8AM or after 9PM.
4. They cannot threaten you with things they cannot legally do.
5. Violations of the FDCPA give you the right to sue and collect damages.
The next time a collector calls know your rights.
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K Brown Consultant Group
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