Federal law protecting consumers from excessive collection agencies is called the Fair Debt Collection Act (FDCPA). This practice specifically states whether the creditor collector can pursue the arrears of arrears sent for collection. This law applies not only to collection agencies but also to those who work at the agency.
There are some rules that define how a debt enforcer should do in seeking debt settlement from consumers.
- They can only contact you during the scheduled time between 8 AM and 9 PM. Also, when asked, it is necessary to identify the representative organization.
- They can say that you are not, or you can not call you at work, unless you are allowed to receive such a call there.
- They can not identify them as law enforcement officers or lawyers.
- They are not allowed to harass you, abuse you, or bless you.
- They can not use or threaten violence against you or your family.
- They can not threaten to start a dirty campaign against you or put your name on a fatal list.
- They can not add interest or fee to the amount you borrowed or the original obligation.
- They can not threaten to pay or litigate unless they actually intend to do so.
- They can not arrest or threaten you in prison.
- When hiring a lawyer, you need to notify the attorney.
Your right
If you contact the debt collector you can instruct you not to call you. Unless there is a plan to appeal or stop collection hope, we must comply with this request. Document all such conversations. If you need further contact, you can email the status of your account. It is not possible to create documents of this corresponding crisis court or attempt to appear to come from either a government agency or a lawyer.
If you violate the provisions of the FDCPA Act, you can file a lawsuit against the offender. We need to document the violation and leave evidence. It also helps when you witness inappropriate behavior. In some states you can record phone conversations without permission, but not in other states. Please check with your state attorney general before you implement that option.
Your aid
If the creditor infringes your rights and feels it did not comply with the FDCPA rules, you must send a letter to a state lawyer detailing the original obligee and breach. You should also send the official Appeal against letters of unfair debt collection business Please submit it to regional office of Federal Trade Commission (FTC). If the violation is deemed quite severe, you can escape qualified debt. If you insist on harassment, you can also sue "pains and suffering" in the Court of Appeal and potentially collect punitive damages up to $ 1000.
You are treated fairly and you have the right to be respected even from the debt collectors. Handling collection agencies is stressful and does not suffer adequate damage without detaining individuals who think that they are on the law. Hopefully the information in this article will give you the ammunition you need to face the individuals in conflict with these individuals.
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