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Believe it or not, that debt collector calling you five times a day, swearing at you and saying you’ve committed some horrible crime by not paying your bills is breaking the law.
Even though you haven’t paid a creditor in months and the debt is now in collections, you do have rights when it comes to debt collectors who are abusing their jobs.
The Federal Trade Commission (FTC) enforces the Fair Debt Collection Practices Act, which prohibits collectors from using unfair and abusive practices.
If you feel you’ve been mistreated by a collector, know your rights.