How to deal with pesky debt collectors

If you have had financial problems due to a fire or illness, you may have had some encounters with debt collectors. These people are hired by companies that have outstanding debts to consumers and wants to collect the money owed. Are you the owner of a mortgage, car loan, student loans or credit card, then you are a debtor. If you fall behind on these debts, companies that have the legal right to use debt collectors to help them recover moneythey have provided.

Receiving calls or visits from debt is never fun. Fortunately, the Federal Trade Commission and the Fair Debt Collection Practices Act have provided plenty of tips to help protect consumers against debt collectors who cross the line. The law provides that debt collectors may contact you by phone, fax, mail or in person. However, there is no need for such effortsinconvenient hours such as before or after 08:00 09:00 collectors are supposed to inform the debts you have and send you a written notice so that we can begin to restore balance. The notice must also tell the steps to take if you believe that we should not really the money. If you have a hard time tracking down, debt collectors may contact third parties such as friends, family or neighbors to find information about your address or telephone number.However, it should disclose their debts to the third party.

collectors are not allowed to harass. They are required to contact about your debt and begin to encourage their return. In case of contact, and you threaten violence, use of profane language or call non-stop to bother you, then you could bring. On the other hand, are not allowed to falsely imply that you will be sued if no measures are taken of your debts, or who iswill be arrested if not paid. If there are legal, can not claim to be, to intimate.

If you want to stop collection agencies contact you, you can send a letter. After receiving the notice, you can only contact you to let you know that there is no contact again, or to let them know of the actions, moreover, that the creditor can take against you. If you owe money legitimately, by simply asking collectorsmake contact with you will not make the debt go away, but could give a little peace time to find out how good your debts.

If you believe that debt collectors have contacted in a manner that violates the Fair Debt Collection Practices Act, you can sue. You can also report to the attorney general's office in your state and the Federal Trade Commission.