There are some collectors who take their work seriously, but completely ignore regulations designed to protect consumers. To do or say anything to get their customers (debtors) to repay its debts. Collectors are usually hired by lenders to collect a debt in the dark on their behalf, although at times, debt collectors are a different department "within of the same company. In 1977, the Fair Debt CollectionPractices Act was enacted to provide protection to consumers from debt collection abuses session. Here is the protection this law provides for you - and what to do if a debt is a violation of any of these provisions:
What debt collectors can not:
* I invite you to work if you explicitly tell them your employer does not approve the phone calls at work.
* Please call before 8 am orafter 21:00.
* To lie
* This assumes that you have committed a crime.
* Hide your identity.
* Ignoring a written request from you, stop calling us by telephone.
* Harass or abuse you.
* To send a notice of the proceedings of a tribunal that is not real.
* Call someone other than the spouse, to discuss your debt.
* Use bad language to speak with you by phone
* Do you or threaten your personal property violence.
* Publish a notice (with the exception of credit bureau information) with respect to its debt.
* Please contact us if you have a lawyer represent you regarding your debt.
* Threatening to garnish your wages if they have no intention of doing so.
* Add additional fees and expenses of the amount due.
If the Fair Debt Collection Practices Act violated the rights?
Fair Debt> Collection Practices Act protects consumers who are in debt - but only if you know how to use it. If your rights are violated under the FDCPA, you need one year to file a lawsuit against the debt collector. If you have won the case, will be reimbursed for legal fees, actual damages and up to $ 1,000 of additional money .
If you think your rights have been violated by aggressive debt collectors, you can do somethingit with the Fair Debt Collection Practices Act. This is an About.com article explains some of the possible.
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