Quote creditors and collection agencies is not a difficult thing to do if you have a basis for their argument. I know what most people think, and say "I owe them money, so how I can sue." The creditors are governed by the Fair Credit Reporting Act (FCRA) and collection agencies are regulated by debt collection fair practices act (FDCPA). These measures were applied to creditors andcollection agencies> responsible. What can sue to ask. Well here is a list of things you can sue for. Remember, no matter what you owe them money, you still have to follow the rules of collection.
1. The creditors, bad credit if the history of his report - Most times, we try to correct this problem if you dispute. They know they are not obliged to, but if you make a partial payment and do not report, then you areviolation.
2. Creditors, if you dispute a debt, and do not report to credit bureaus as contested - Some lenders do not do this and you can pay for it.
3 The creditors if they pull your credit file without a permissible purpose - making inquiries on your credit report without your permission is not allowed.
4. He asks his workplace if the collector knows or has reason to know that your employerprohibits the use of the receipt of such communication. - Can lead to loss of employment as a debt. You must tell your boss does not allow personal calls. You can call your job until otherwise stated.
5. The collection agency may not use any form of harassment or abuse - I had collection agencies say things like I was stupid, now that is not supposed to ask, curses, etc.
Usmany things you can sue for. You just have to be very organized and keep track of everything you do, every call you take, you speak, etc.
No comments:
Post a Comment