If a debt collector threatens you with arrest or criminal charges over unpaid bills, that is a red flag. Consumer debt is a civil matter — and you cannot be jailed for ordinary unpaid credit cards or medical bills.
Collectors cannot threaten jail for unpaid credit cards or medical bills. Consumer debt is a civil matter.
Knowing your consumer rights changes how you respond to pressure. When you understand the limits placed on creditors and collectors, you can protect your income, your property, and your peace of mind.
Key Protections
- No harassment
- No false threats
- Right to debt validation
- Right to dispute within 30 days
Quick Takeaways
- Keep documentation
- Send written disputes
- Know your deadlines
- Seek help early
Enforcing Your Rights Pro Se
You may assert violations as defenses in court or file complaints with regulators.
About FRLS
FRLS empowers qualified consumers to assert their rights under state and federal law.
Call 1-888-582-3410 to learn if you qualify for free assistance.