A debt collector keeps calling me in Dallas–Fort Worth, TX: what are my rights?

Debt collectors in the United States must follow federal rules about when and how they contact you. The Consumer Financial Protection Bureau (CFPB) explains these rules in plain language and answers common questions about debt collection [1]. Texas may have its own state rules as well. The consumer protection pages of the Office of the Texas Attorney General explain help available in Texas [2].

Steps you can take: 1. Ask the collector to send you written information that proves the debt (this is called validation). The CFPB explains how to ask for this [1]. 2. Keep a record of every call and letter: who called, when, and what was said. 3. If you think a collector broke the rules, you can submit a complaint to the CFPB online [1]. 4. You can also file a consumer complaint with the Texas Attorney General [2].

Be careful. Some scammers pretend to be debt collectors. Warning signs include a caller who will not put details in writing, threatens you, or pushes you to pay right away in an unusual way. Do not give bank or personal details until you have checked that the debt is real. The CFPB has guidance on spotting fake collectors [1].

These sources give general information, not advice on your own case. Check them for the current rules and complaint steps.

Sources [1] Consumer Financial Protection Bureau: https://www.consumerfinance.gov/ [2] Office of the Texas Attorney General (consumer protection): https://www.texasattorneygeneral.gov/