Debt Collectors are governed by the Fair Debt Collection Practices Act (“FDCPA”). A debt collector, under this law, is a third party to the debt that attempts to collect a consumer type debt.
Under this federal law, there is information that they are REQUIRED to give you. There is also a pile of things that they cannot say. The FDCPA is your friend. Use it. How? Here are some examples of how third party debt collectors violate the FDPCA: