Know your rights and stop harassing collection agency

It can be frustrating when you fall behind on their payments and does not seem to get anywhere, especially if you try to negotiate with your lender to make payment arrangements. Then you start getting calls from a permanent collection company debt service, which requires payments strange and threatening consequences. Now the collection agency harassment is handled differently. There are laws that all these agencies should continue or may face fines andlegal action.

Recently, the Federal Trade Commission reported that it had received 71,000 complaints about collection agency strategies. Many of these consumers are required to staff a financial recovery agency had used abusive or obscene profanity. If a collection agency is called, you have rights, whether or not the money owed past. There are laws that define how and when an agency can receive calls.

When it comeswith collectors who have certain rights that the FTC explained in the Fair Debt Collection Practices Act these agencies must follow the rules. This means that collection agency harassment would be to contact the user continues to work if you tell your boss does not approve. Nor can call before 8:00 am or after 9:00 pm, use offensive language or threaten you or your reputation.

To endcollection agency calls you must write a letter to the company asking them to stop. However, the organization is authorized to contact you to let you know that a particular action will be taken. Write the letter does not mean you have to do well in bad debt recovery.

Can still be sued by the original creditor and collector. If you feel that you are talking to the collector not just keep talking and listening, thenask to speak with his supervisor. Often, if you show some knowledge of the Fair Debt Collection Practices Act and the collection of accounts, then the case will be handled much better.

When a collection agency call and talk to your family, friends or employers can not say that you owe money. Can only request specific information such as where I live and work or to verify this information. Ifto discuss the details with others and say that you owe money, then it is considered the disclosure of third parties and is against the law. collection agency harassment also includes false statements and threats to stop.