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 provides accounts receivable software for creditors, primarily for commercial / B2B receivables. 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 provides accounts receivable software and related tools for creditors. Creditors remain responsible for their own collection practices and legal compliance.
This communication relates to a commercial accounts receivable matter processed through FixPayment software on behalf of the creditor named on your account. FixPayment is a software and services platform for creditors, not a licensed U.S. debt collection agency.
This page is a general summary and does not constitute legal advice. For advice about your specific situation, consult a qualified attorney.