The Federal Trade Commission has established rules that define the proper practice of debt collection. The Fair Debt Collection Practices Act defines specific things to do when a debt collector may not contact you about a debt. Learn the rules that debt collectors must follow when they call.
The Fair Debt Collection Practices Act was added toConsumer Credit Protection Act in 1978 as Title VIII. It defines the rights of consumers when it comes to debt, and prohibits the practice of debt collection that are abusive and harassment. If it is a debt collector violates the FDCPA, you are entitled to file a formal complaint against them and stop the harassment.
Who must comply with the FDCPA?
A debt collector is a person or Companies that use e-mail or other communications or interstate commerce entities, the main purpose of collecting debts for someone else. Federal law does not apply to domestic debt collectors, who are trying to collect a debt that originated with them. In other words, this law applies to companies that collect debts for other companies. However, some states have similar rules for companies that collect their debts.
The FDCPA provides the things> Collectors should do when you are trying to collect a debt, as well as things that are not allowed to do.
What debt collectors DO
- They tell you they are trying to collect a debt and that any information you learn to use to collect debt
- Give the name and address of the original creditor to make a written request for
- A notice of their right todispute in whole or in part with debt collector
That debt can not "NOT
- We get in touch before 08:00 or after 21:00 time
- Do you want to contact everyone when asked to stop writing, except to say they have ceased collection activity or who wish to pursue other resources
- Do you want to contact on the job after saying no to them
- Please contact aftertell them you are represented by counsel
- Ti contact after request validation of debt
- Falsifying or lying about themselves than they are to intimidate or deceive you
- Add the name or address of a "bad debt" list
- They threaten to arrest or legal action is permitted or not, or will not do
- Use physical threats or threats of violence towards you
-Use offensive language or profanity towards you
- Repeatedly use the telephone to annoy
- To discuss your debt with any other person that your spouse or a lawyer
- Threatens to make a false report to any credit reporting agency
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