Beyond the Pale - When debt collectors call relatives of the deceased

In today's economy, many people find they are on the receiving end of calls to debt collection. Although economists have declared that the recession is over, ordinary people are still feeling the effects of unemployment and the low value of the house , and a growing mountain of bills. Meanwhile, collection agencies, debt have been quick to try to get closer to consumers, and frequently violate the Fair Debt Collection> Practices Act, a federal law that describes what is acceptable behavior and acceptable collection.

While many are thinking of debt as thugs, the latest trend in the collection is beyond the limits. Some collection agencies have found a profitable way to make even more money to harass family members of victims pay the debts of the deceased recently. Incredible as it may seem, it happens everytime. This is so attractive to collection agencies debt as they can often rake in twice the fees charged by other types of debt collection. In the process, however, often take advantage of who are most vulnerable.

If you recently lost a loved one and receive calls from debt collectors in the family of the debts of the member, there are several things you should know.

1. Collectors are takingeasy way. When a person dies, his property (including property) is usually in succession. The creditor is entitled to file a claim against the property, to pay. When a collection agency trying to collect the families of the deceased, who are trying to circumvent the judicial system.

2. You are not responsible for the debt of another person. If a parent has died and their property, can not afford to pay a debt, not itsresponsibility. The creditor will usually pay off the debt. When a debt collector called and implied (or said that simple) you have to pay the debt, in violation of the law. If the deceased spouse, you may have some obligations, but these tend to be limited by the laws of your state. Consult an attorney in succession to get an accurate assessment of their responsibility.

3. Watch out for fishing expeditions. Often, a collection agency debtcall the family of the deceased to gather information. Do not give out addresses, social security numbers or other personal information about you, your family or spouse.

4. Do not miss debt harassment. If you are on the receiving end of abusive collection calls, you have the resource. Although it is difficult to address one thing at a time of pain, it is important to defend their rights. Contact the showdebt attorney, which can make the arrest and harassment complaint with the Fair Debt Collection Practices Act.