💬 Let’s talk DEBT COLLECTORS! 💸 Did you know you might not be obligated to pay them? 🤔 Once your debt is sold, it no longer belongs to the original creditor — and that changes everything. 🧾 Under the Fair Debt Collection Practices Act (FDCPA) ⚖️, you have powerful rights and protections 💪: 🚫 They can’t harass or mislead you. 📄 You can request proof of the debt before paying. 🔍 Always verify who actually owns your debt! 💡 Knowledge = Power. Don’t let collection calls shake your confidenc

Debt collection | Consumer Financial Protection Bureau

Fair Debt Collection Practices Act (FDCPA)

11 Debt Collection Call Script Samples As Per FDCPA Guidelines

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How The FDCPA Affects HOA Collections — Homeowners Protection Bureau, LLC

Knowing the legal difference between a creditor and a debt collector can be the difference between paying a debt you don’t owe and protecting your consumer rights. ​A lot of companies will claim they are the "original creditor" to sound more authoritative, but here is the truth: If they purchased your debt after it was already in default, they are a debt collector. ​Under the Fair Debt Collection Practices Act (FDCPA), debt collectors have specific rules they must follow—rules that many ignore.