🛑 Know Your Rights: Stop Debt Collector Harassment 🛑 ​Did you know you have the power to stop debt collection calls and letters? This isn't just a courtesy—it's your federal right under the Fair Debt Collection Practices Act (FDCPA)! ​✍️ The Cease and Desist Power ​If a debt collector contacts you, you can send them a written Cease and Desist Letter (15 USC text{§}1692c(c)). Once they receive it, they MUST stop all communication. ​⚖️ The Consequences of Violation ​If they contact you again (ou

💬 Let’s talk DEBT COLLECTORS! 💸 Did you know you might not be obligated to pay them? 🤔 Once your debt is sold, it no longer belongs to the original creditor — and that changes everything. 🧾 Under the Fair Debt Collection Practices Act (FDCPA) ⚖️, you have powerful rights and protections 💪: 🚫 They can’t harass or mislead you. 📄 You can request proof of the debt before paying. 🔍 Always verify who actually owns your debt! 💡 Knowledge = Power. Don’t let collection calls shake your confidenc