Consumer rights infringement is increasing, and consumers are increasingly complaining about infringement of consumer rights, harassment of debt relief and the like. To earn money from mortgage payments, many agencies and banks are engaged in disgusting activities that can not be explained simply by harassing.
Common consumer rights violations include debt collection harassment, privacy violation, unnecessary phone and text, and other credit report violations. Common consumer violations are harassment of debt recovery. Creditors and / or debt collectors take extreme measures to recover payments from individuals who went bankrupt in his account.
How to define consumer rights infringement
Infringement of privacy, nuisance phone, text etc. Harassment of all members. If the creditor keeps on the following, it can be defined as harassment in order to regain him or money.
- I will contact you many times a day. Even at night, early in the morning
- Sell off your house or pressure to take more credit
- Pressure via social networking sites like Twitter, Facebook
- Use other or more debt collectors at once to contact you
- I will not inform you about your debt, its status, or whether it was handed over to the debt collection agency
- Orally or physically threaten you
- Cause public embarrassment
- Tell others about your debt situation and rob your image and reputation
- Give suggestion of legal action
- Do a false allegation, such as being suspended for court or other reasons
- It gives the impression that a case from the court has been taken against you
What can I do?
First of all, you need to know more about your debt book -
- Collect all the evidence of harassment
- Complain to your creditors
- Complain to a consumer lawyer
If you get harassed or your debt book violates your rights as a consumer, you can file a complaint against him or her. Your right is to file a lawsuit against a collector in a federal or state court within one year from the date of violation. Once you acquire a case for the collector you can ask for damages from the collector. First we must prove the damage caused by the collector. It could result in illegal collection practices, harassment or other violations. As a consumer you may pay you up to $ 1000 per violation.
You can report problems holding debt collection slips to the State Attorney General 's Office and the Federal Trade Commission.
Violation of FDCPA
The FDCPA or Fair Delete Collection Practice Act has strict guidelines that define what debtors can not do. It is important for consumers to understand the FDCPA guidelines. Consumers can raise civil actions concerning the FTC or Federal Trade Commission concern collector, Better Business Bureau or federal or state courts.
Individuals who have problems with payment of mortgage loans and are facing harassment from creditors can receive legal assistance. Through legal assistance, they can avoid foreclosures or save related families. Consumer lawyers representing clients who are fixed in the legal proceedings related to foreclosure and provide advice on taxes and legal influences related to foreclosure, bankruptcy or short term sale, as well as negotiate loan changes.
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