Illegal and unfair tactics by collection agencies are often used in paid search. Unfortunately, they are not informed of the easy prey. To avoid collection agencies responsible for gross abuse, you must first know its protection of federal rights. The collection agencies that do not follow the rules can lead to court fees, fines and even license suspension. For his part, you could have your entire debt forgiven to fighttactic against recognized.
People face a collection procedure of the rights protected by the federal government under the Act Fair Debt Collection Practices (FDCPA). Some special provisions include:
Torture and abuse
The law prohibits all forms of harassment, violence or abuse against you, your property, or family members. Such restrictions include repeated calls when asked to notto profane or vulgar, or threatening actions that may or may not plan to take. Add your name to a list of "deadbeat" or list your property for sale is prohibited.
Communication Channels
When you contact the collection agencies must do so within the hours of 8:00 to 21:00, unless they were told a difficult time for you. They are not allowed to contact you at work at all unless the work permit. You can alsorequest that you contact at all and must meet, unless you notify your case is resolved, or be sued.
Third Party Contacts
collection agencies are not authorized to speak with outside parties relating to any aspect of your case. The exception is when you are trying to find where you are. Then you can ask where you are and give your name. No mention of his debts or his employer can be delivered. The third can not be contacted again unless they give permission or agency has reason to believe that information has been given incomplete or false.
collection agencies must direct all contact through your lawyer, if one tries to have remained until the fiscal policy responses. You can only go about your lawyer if you have given permission otherwise. They have the right to communicate with your spouse and parents if a minor, unless you tell them not to write.> Collection agencies have no right to harass their adult children or their parents make you pay, even if this happens often.
False or misleading representation
collection agencies have been known to impersonate police officers or the use of forged documents to intimidate people to pay. Sometimes a draft letter wishing them seem to come from a lawyer. These tactics are not permitted by law. Moreover, the factsif, for example, what is owed and the status can not be faked. Unless the collection agency an actual plan to follow to the end, but also can not threaten legal action.
Outrageous Tactics
Consumers are protected by distorted, unfair, unreasonable and tactics used by collection. Some are commonly used to cause additional costs due to its efforts to collect, adding interest and rights asI owe you, and then deposit the check without permission. It can not be threatened with prosecution for nonpayment.
Your Options
You should direct complaints to the Federal Trade Commission, your state Attorney General's Office, and the original creditor, if you are the victim of such practices. The first contact the original creditor, which can be held responsible for such violations. Forgiveness can be consideredentire debt if the shares have been particularly severe.
Another potential application is to sue the collection agency for such violations. You must document their claims and have at least one witness. In the past, some players have been injured and / or money for pain and suffering. In particular, serious cases of repeated abuse result in punitive damages, as well.
You should know your rights dealing with unscrupulous collection agencies. Maintaintheir leaders and report any violations to the competent authorities immediately to avoid being their next victim.
No comments:
Post a Comment