Avoid harassment from creditors - Stop collection calls

- Many families in the United States share a sense of tension at the end of each month, when notified by their debt collectors about bills and pending transactions, if applicable. These laws can be anything from car services, utilities, medical, etc. But they have a common look fuzzy, and offensive behavior sometimes irritating collection agencies, if the odds are not phased in the period. This gloomy picture was published inall roads in the United States before the arrival of the Fair Debt Collection Practices (FDCPA), approved by Congress in 1978.

This act, though most are still unaware of its existence and its positive aspects, which protects consumers from suffering a crime at the hands of debt collectors, who are usually trying to earn extra money in the form of fees or processing fines and even the costs of collection and remindercalls. According to the Fair Debt Collection Practices Act (FDCPA), even the slightest disrespect for the consumer in the hands of debt collectors can win a $ 1000 fine payable to the debtor and all other expenses incurred in the process of filing cases. Even the cost of gasoline, consumers have the right!

It is therefore extremely important that you are aware of their rights. In developing countries, crime is a consumertrivial, but in a country like the United States, was arrested after the enactment of the Fair Debt Collection Practices Act (FDCPA). The Fair Debt Collection Practices Act (FDCPA) has a collection agencies debt at bay through fines and the limitations it imposes on the debt. Some restrictions are listed below:

A debt collector is notcan not call, both for the prompt payment of dues or for any other reason before 8.00 am or after 21:00 pm
Debt collectors are not allowed to constantly call the debtor for automated calls that require them to call someone in your office. Debt collectors must contact the person on the phone and not allowed to alter the consumer with six calls day
Debt collectors are prohibited from any debtor at workmalicious objectives such as making the debtor without a job or to damage his stature or to inform your boss. Any reason that aims to attract customers to cancel their debts is prohibited
Debt collectors can not involve anyone other than the debtor himself, or someone who has laid down. N asking people somehow related to the debtor, colleagues and relatives, are allowed. Many borrowers use these cheap tactics to force the debtor to pay fees shame, or suffer the pain of being called a "bad debtor"
collection agencies, debt still can not send fake emails or letters of any kind that threaten consumers. Threatening calls in the area also include events that can file a complaint against the company under the Fair Debt Collection Practices Act (FDCPA).

Here are some irregularities in prohibited. Each consumer before entering into an agreement with debta> collection agency is required to ensure their terms and go through the Fair Debt Collection Practices Act (FDCPA) to protect their rights.