FDCPA complaint - you may be entitled to compensation if you are being harassed by creditors

You do not have to declare bankruptcy to get collection agencies to stop harassing overdue invoices. Federal law provides protection for consumers against certain practices of collection agencies. The Fair Debt Collection Practices Act (FDCPA) regulates the methods you can use a collection agency to collect debts. The law applies when a company uses third allegedly owed in debts. Therefore, this statutecan be waived if a company uses a house collection agency. When filing a complaint FDCPA, and frequent, you may be receiving money from the collection agency.

The FDCPA prohibits a collector in general terms as follows:

A debt collector may not call before 8:00 am or after 21:00 when I called during the periods of time, is considered harassment.
A collector may not call in your workplace. If you are called totheir work promptly notify them that you do not wish to be contacted at work.
A collector is not able to use harassment to collect debts. This is common sense. However, collection agencies, historically, have committed atrocious acts of violence against their debtors.
A collector can not say I've committed a crime or could go to jail if you do not pay the debt. Debtors prison was abolished many years ago.
A debt collector may not use unfair tricksgoing to pay a debt. For example, a debtor can not say that you owe a debt, when the limitation period of that debt has expired.
A collector can not hide his identity by phone. A collector should be frank and tell him to collect a debt.
A collector must meet all requests to cease and desist contact you about the debt allegedly owed. However, a collector may sue for the moneydue.
A collection agency can not blindly to shame, to pay their debts. It is because the money is between you and the collection agency. There is a public record.

These are just some of the most important provisions of the FDCPA. If an agency violates the FDCPA comparison, and lodged a complaint FDCPA, you can get the compensation .. In addition, FDCPA is a strict liability law. This means that if the collection agency should not knowingly violate the lawviolate the law. So if you are being harassed it would behoove you consult a local lawyer or if you are low-income legal assistance in contact with a local company in your area.