You have certain rights and protections when being contacted by a debt collector who is subject to the FDCPA. A debt collector can’t use the threat of a lawsuit to collect a debt if they do not intend to file a lawsuit. They also can’t sue or threaten to sue when the statute of limitations – or the period of time they have to file a lawsuit to collect a debt – has expired.
Learn more about what debt collectors can say or do
If you're having trouble with debt collection, you can submit a complaint with the CFPB.