You have the right to request that the debt collector sends you proof that you owe on the account. It is their legal obligation to prove that the debt is owed by you.
You have the right to request that the debt collector doesn’t contact you, your employer, your family, or your friends by phone. Additionally, if the debt collector is contacting others about a debt you allegedly owe, they are legally limited as to what they can say or ask the other person.
Debt collectors are not allowed to threaten you with jail time or to have you arrested. They cannot threaten to garnish your wages or seize your assets.
Reporting Debt Collectors Who Break the Law
If you’re being harassed or abused by a debt collector over a debt (regardless of whether you owe it), you have the legal right to report the debt collector to the FTC. You also have the right to talk with an attorney to determine if you can file a lawsuit against the company.