There are collectors who take their job seriously, but completely ignore the rules designed to protect consumers. They do or say anything to get their clients (debtors) to repay its debts. Collectors are typically made by banks to grope to collect a debt on their behalf, although at times, debt collectors are another department 'within the same company. In 1977, the Fair Debt CollectionPractices Act was passed to protect consumers from abuse third collection of debt. Here is the protection this law provides for you - and what to do if a debt is a violation of any of these provisions:
What debt collectors can not do:
* Is called to work, if your employer explicitly not approve the call at work.
* Please call before 8 am orafter 21:00.
* Lying to that
* Indicates that you have committed a crime.
* Hiding his identity.
* Ignoring a written request asking you to stop by telephone.
* Harass or abuse you.
* To send a notice of a court that is not real.
* Call someone else besides your spouse, to discuss your debt.
* Use bad language when talking on the phone
* Threaten you or your personal property with violence.
* Publish a notice (with the exception of credit reporting agencies) with respect to your debt.
* Please contact us if you have an attorney to represent you regarding your debt.
* Threatening to garnish your wages if they have no intention of doing so.
* Add additional fees and charges for the amount due.
Are your Fair Debt Collection Practices Act violation of rights?
The Fair Debt> Collection Practices Act protects consumers who are in debt - but only if they know how to use it. If your rights under the FDCPA is violated, is one year to file a lawsuit against the debt collector. If you have won the case, will be reimbursed for legal fees, actual damages and $ 1,000 for additional funds.
If you think your rights have been violated by aggressive debt collectors, you can do somethingLaw imposed by the Fair Debt Collection Practices. This article explains some of the possible About.com.
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