Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a U.S. federal law that protects consumers in connection with the collection of certain consumer debts (personal, family, or household). FixPayment is a payment experts with the power of AI, helping creditors resolve disputes and fix payment issues. This page is a general educational summary: not legal advice and not a certification that any party is “FDCPA compliant.”
Key rights (where the FDCPA applies)
- Debt validation: You may request written verification of a debt within 30 days of the initial written notice (where applicable).
- Dispute the debt: If you believe a balance is incorrect, not yours, or already paid, you may dispute it in writing.
- Cease communication: You may request that a debt collector stop contacting you, subject to limited exceptions allowed by law.
- Accurate information: You have the right to clear information about the amount owed and the original creditor when required.
- Harassment protection: Collectors may not use abusive, threatening, or deceptive practices.
- Attorney representation: If you are represented by an attorney regarding the debt, notify the collector in writing.
Official text: FTC FDCPA.
How to use our tools
If your matter is handled through this platform, you can use these channels so activity is documented:
Notice: FixPayment is payment experts with the power of AI, helping resolve disputes and fix payment issues on the accounts you place with us.
This communication relates to an accounts receivable matter handled by FixPayment's payment experts, on behalf of the creditor named on your account.
This page is a general summary and does not constitute legal advice. For advice about your specific situation, consult a qualified attorney.