Related to another as collection agencies are known to take advantage of numerous opportunities to use, even when told to stop calling. This type of harassment is a violation of federal law under the Fair Debt Collection Practices Act (FDCPA).
Related to another has been sued by the Minnesota attorney general for repeatedly calling innocent consumers despite requests to stop. Related to another, finally agreed on a solution that avoidscontact with consumers who, after being told that you do not owe the debt in question. Be enough to stop the harassment? It 's very doubtful.
There are more complaints with the Federal Trades debt collectors than any other industry. However, despite numerous complaints and class action lawsuits, debt collectors are still managing to harass consumers on a regular basis. In many cases, consumers do not even have the money. Simplyplay with the collector to stop the harassment.
Under the FDCPA, collectors must advise consumers who are entitled to dispute the debt, but that if consumers do not promptly and in writing, the collector can assume 30 days after the debt is valid. This consumer right is called debt validation and should always be practiced. The consumer should not pay a debt unless it is proven.
Once collectors are notified thatcontact the wrong person or that the consumer denies owing the debt, companies must provide evidence of the debts' of validity. If they are unable to provide proof, collections are required by law to leave. They also have the obligation to eliminate debt from your credit report.
The best way to stop these miserable collectors is to know their rights and to let them know that you know your rights. Otherwise, like many others have usedinnocent people who do not deserve it.
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