Your rights under the FDCPA
The Fair Debt Collection Practices Act (15 U.S.C. § 1692) governs how debt collectors may contact you. This page summarises the protections that apply when you deal with us.
Required disclosure
This is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose.
You can request validation of the debt
Within 30 days of our first notice you may dispute the debt in writing. We will pause collection activity and mail you verification of the balance and the name of the original creditor.
You can tell us to stop contacting you
You may ask us in writing, or through your online portal, to cease communication. We will stop, apart from notices the law requires us to send.
We cannot harass, oppress, or abuse you
No threats of violence, obscene language, or repeated calls intended to annoy. We do not threaten action we are not legally able or prepared to take.
We cannot make false or misleading statements
We will not misrepresent the amount owed, imply we are attorneys or government representatives, or claim you have committed a crime by not paying.
There are limits on when and where we contact you
We do not contact you before 8:00 a.m. or after 9:00 p.m. in your local time, and we will not contact you at work once you tell us your employer prohibits it.
You can dispute inaccurate information
If any part of the balance is wrong, tell us. Amounts we report as disputed are marked as such.
How to exercise these rights
The fastest route is your online account, where you can file a dispute, request validation, update your contact details, or ask us to stop contacting you. Every request is timestamped and recorded.
This summary is provided for convenience and is not legal advice. State law may give you additional rights. You can report concerns to the Consumer Financial Protection Bureau or your state attorney general.