6 Basic Consumer Rights Against Debt Collectors

Debt collectors have one thing in mind – to make sure that they collect payment from debtors on behalf of the institution that they represent. This is quite understandable but as a consumer you should also be aware of your rights against debt collectors.

The Fair Debt Collection Practices Act is a federal law that states the specific rules that third-party debt collectors must follow when contacting a consumer about a debt that was sent to their collection agency. This includes medical bills, credit card bills, and auto loans. 

As a consumer it pays to be aware of your basic rights. Here are some of those rights.

Call Time

The law clearly states that debt collectors can only call between 8 am and 9 pm in your time zone. Let the debt collector know the most convenient time for you to accept their call.

No Work Calls

Let the debt collector know that you don’t wish to be contacted while at work. This request can be done verbally or in writing. Debt collectors are legally required to stop calling your workplace during your work hours as requested.

One Call Is Enough

The Federal Trade Commission classifies more than one call a day from a debt collector as a form of harassment. If you disagree with the claim for the amount of debt that you owe, you can request for the debt collector to stop calling until the debt has been verified.

Debt Validation

Once you have been contacted by a debt collector, you have the right to dispute the validity of the claim within 30 days. Send them a letter of validation that requests proof of your debt.

The debt collector, upon receiving your letter, cannot proceed with their collection activities until you receive proof of the debt.

Debt Privacy

They are not legally allowed to divulge any information about your debt to other persons unless it is your lawyer, spouse, or if you are under 18, your parent or legal guardian.

Correct Payment

The debt collector can only collect the specific amount written on the debt validation letter. They cannot charge you more than this.

3 Reasons to Hire A Divorce Attorney

You tried to save your marriage. Even went to several sessions with a marriage counselor but it still didn’t work. Now, you both decided that divorce is the only option left.

If you do find yourself planning to file for a divorce, it would be in both of your interests to hire a divorce attorney even if you both agree on an uncontested divorce. Here are 3 reasons why:


Getting a divorce attorney assures both parties that they both receive an equal share of everything during the divorce.

If there are any complicated issues in your marriage that needs to be settled, the divorce attorney is an invaluable resource person. They can provide you with the best legal advice that is applicable under State laws.

If you are filing an uncontested divorce, it is also in your best interest to hire a divorce attorney to guarantee that you are getting the correct claim settlement.

Less Stress and Prevent Mistakes

Divorce, whether uncontested or not, is quite stressful for both parties, which can lead to mistakes that you would only realize after the divorce has been finalized.

A divorce attorney will do the legal work for you thus lessening the stress caused by the divorce. You get to have more time to go about your daily routine and take care of yourself and your loved ones.

Not everyone is well-versed in the State laws for divorce. Couples who try to apply for a divorce on their own could very well commit a mistake that could lead to further complications…and more court dates.

A divorce attorney will check that the documents are in order to guarantee that mistakes are prevented at the onset of the divorce proceedings.

Accurate Divorce Agreement

If you are filing for a divorce without an attorney, your divorce documents may confuse the court official who is reviewing your case. This can result to a different outcome than what you originally intended.

A divorce attorney will make sure that the legal documents contain accurate information on how you wish to proceed thus assuring that the court will issue a divorce decree that both parties will be satisfied with.

5 Reasons Why You Should Hire A Personal Injury Attorney

After suffering from a personal injury, the last thing that you need would be to focus on how to claim compensation from the other party. This is where hiring a personal injury attorney should be considered.

Personal injury attorneys take cases on a contingency basis. This means that you only pay them an agreed amount of percentage from the payment you’ll receive. If you don’t receive monetary compensation, then they don’t get paid.

Here are the top 5 reasons for the need to hire a personal injury attorney:


As the injured party, your judgement tends to get biased and remaining impartial can become difficult. A personal injury attorney, on the other hand, will be impartial since they have no personal stake in your case.

As your representative, they are in the best position to provide you with the facts and make the best decision for you. This guarantees you that you get the best compensation available for your injuries.


Each state has their own personal injury law. Your personal injury attorney is the most knowledgeable when it comes to this.

They know how the law works in your state, the statute of limitations, the proper paperwork that needs to be filed, and the best presentation for your case to get the best chance for successfully claiming a settlement.

Evaluation and Investigation

A personal injury attorney will take the time to discuss with you the full extent of your injury. Giving them access to all the relevant medical records, police files, and communicating with the insurance company gives you the time you need to recuperate and get on with your daily life.

They often work with a team of investigators to gather the facts that would help solidify your case in getting the best settlement claim possible.

Alternative Resolution to the Dispute

Based on the results of the investigation, a personal injury attorney can advise you if it would make better sense to settle the dispute outside the court thus saving you time, emotional distress, and money.

They are very adept in the art of arbitration and mediation which can help you land a good claim settlement outside the court.

Court and Final Claim Settlement

A personal injury lawyer would be your best representative if your dispute does end up in court. They will ensure that you are awarded with a more than favorable claim settlement.

This settlement covers medical costs, missed working hours, future injury-related expenses, and other legal costs including attorney’s fees.