Stop Collection Agencies

Many people are unaware of their rights against the bullying that are affected by collectors. Therefore, it is noted that the Fair Debt Collection Practices Act was passed in 1977 to protect the user that collectors that debt. Therefore, if you can not stop collection agencies are wrong.

He is considered a debtor, once I have money through personal loans, using credit card or pay a mortgage. If ever you can not pay its creditors, or if there are errors in your account, then a debt collector may contact you. But in both situations, you should keep in mind that the FDCPA mandates collectors treat you fairly and prevent certain methods of debt collection.

As a customer, you should always be aware of their rights to collect the debt. Do not forget thatcollection agencies> not have permission to:

Or harassing you in any way.

contact or before 08:00 or after 09:00, unless your permission. Nor can contact you at unreasonable places or incorrect y.

Or talk to you in an abusive manner. You can not use the absence of language.

Or call your family or friends and collect their payments on their outstanding debts

or call your workplace, especially when the superior does not allownon-work phone calls

How to stop collection agency to contact

Agent can stop a debt recovery agency in contact with the writing and telling him to stop. After receiving your letter, you can not call or contact again if not to say that there will be no further contact or if they will communicate that the debt collector or creditor intends to take certain actions. Just note however that the letter you sentdoes not mean refusing to pay their debts.

Living a debt collection abuse and harassment? So here are the steps you must take to stop treating sick collection agencies:

1. Do not entertain calls. If you notice that the collectors are calling, then hang up the phone or writing to stop calling him a "cease and desist" letter. If you send a letter, be sure toyour name, account number and address and tell the agency to stop contacting you in the debt

2. Keep records. If you take the call, be sure to write everything, including time, date, name of the caller and a summary of the conversation. If your state law allows, then the recorded conversation. Try telling them you are recording the call, and you hardly notice that they will behave well.

3. Make your negotiationspayment terms. Talk to the agency how you will pay your debt.

4. Be familiar with the laws of your state. There are some places in seizing and confiscation of property is illegal, providing additional energy to the process of treating certain. In order to understand the laws so we can know things that are allowed and not allowed, see the Office of the Attorney General in your state or the state office for consumer protection.

5. File complaints. If, afterunderstand their rights, it is believed that the agent breached a collection of them, contact the FTC office in your state government and formally complained. It is important to files or documents that can back up claims of harassment.

6. Its debt collection company. If you really found that the agency violated the rights, then they certainly can. If you win, you can ask to pay for actual damages and punitive damages. You canAlso recover court costs and attorney fees.

So if you're among people who are currently experiencing the discomfort of threatening letters and phone calls, then you can rest assured knowing that you always have the power to collection agencies to such harassment. Each defendant has that right. The only problem is that most of them do not.