Your Rights Under the FDCPA
Fair Debt Collection Practices Act — 15 U.S.C. § 1692 et seq.
Right to Validate the Debt
Within 30 days of receiving written notice of a debt from us, you have the right to dispute the debt or request verification. If you notify us in writing within that 30-day period, we must stop collection activity until we mail you written verification of the debt or the name and address of the original creditor.
To exercise this right, send a written request to ClaraPay. Upon request, we will provide the name and address of the original creditor if different from the current creditor.
Right to Dispute the Debt
If you believe you do not owe the debt, or that the amount is incorrect, you have the right to dispute it. Write to us within 30 days of our first written notice. We will obtain and mail you verification of the debt and will not resume collection activity until that verification is provided.
Disputing the debt does not erase it — it requires us to verify it before we continue collection efforts.
Right to Stop Collection Contact
You may request in writing that we stop contacting you. Once we receive your written request, we may only contact you to:
- Advise you that we are ending collection efforts, or
- Notify you that we may pursue legal remedies available to us.
Stopping contact does not make the debt go away. It only stops our communication with you about the debt.
Prohibited Practices
Under the FDCPA, debt collectors may not:
- Contact you before 8 a.m. or after 9 p.m. local time
- Contact you at work if we know your employer disapproves
- Use abusive, unfair, or deceptive practices
- Threaten violence, use obscene language, or make false statements about the debt
- Falsely claim to be attorneys or government representatives
- Threaten arrest for non-payment of a debt
How to File a Complaint
If you believe a debt collector has violated the FDCPA, you may file a complaint with:
- Consumer Financial Protection Bureau (CFPB): consumerfinance.gov/complaint
- Federal Trade Commission (FTC): reportfraud.ftc.gov
- Your state Attorney General's office
You may also have the right to sue a debt collector in state or federal court within one year of the date of the violation.
Contact ClaraPay
To submit a written dispute, validation request, or cease-contact request, use our contact page. Include your full name, account number (if known), and a description of your request.