The phone is ringing off the hook and caller ID identifies incoming calls as "Unknown Caller", call toll-free "or" outside the box. "When you finally politely answer the phone that this is an obnoxious, rude and threatening bill collector.
If you have trouble paying the bills, this scenario is not uncommon. The tactics used by debt collectors can often make consumers fear the worst, with threats of arrest, seizure of wages and demands. These types ofdeceptive and unfair collection practices have the potential aggressive lead to personal bankruptcy, marital problems, job loss and invasion of privacy. Know your rights under the Fair Debt Collection Practices Act (FDCPA) can help build the tools they need to stop these thugs from harassing you more.
Once I got a call from a client who was in a state of absolute panic following a telephone call he received fromas a bully. The collector threatened to call my employer to inform the customer of the debt of my client was. Needless to say, this particular client was afraid of losing their jobs. Fortunately, I managed to calm their nerves with a quick course FDCPA. The fact is that collectors are prohibited from disclosing that the consumer owes a debt to someone other than the person who actually has the money. This includes written correspondence, as well. Debtcollectors are not allowed to send postcards or use language and symbols on an envelope that may indicate the sender of the content is in the business of debt collection.
If you have been harassed by an aggressive or abusive debt collector, with constant phone calls home, it's easy to get these calls to stop. You see, if you notify the debt collector in writing that all communications are terminated, the debt collector is prohibitedcontact you unless it is to advise that its collection efforts were completed, or information indicating that an action is invoked.
If you receive calls at your place of work, communication can be stopped, too. Once you notify the collection agency or debt collector your employer does not allow such communication, the debt collector is prohibited by the FDCPA, any more call you at homeemployment.
Like most people, I'm sure you've heard horror stories about abusive behavior by unscrupulous debt collectors. In no event ever intimidated or harassed by any such person. The use or threat of violence, obscene or profane language, and repeated continuing phone calls intended to annoy or harass is simply not tolerated under the FDCPA. In addition, debt collectors may not use false, misleading or deceptiverepresentation in connection with the collection of debts. This includes the false representation or implication that the debt collector is an attorney and / or threat of any action that can not be legally adopted. It is not uncommon to hear the term "wage garnishment" of creditors. The fact is that his salary (and / or bank accounts) simply can not be seized without a court on the spot. So unless you have received notification of a process can berelatively sure that no ruling, which means that absolutely no one can touch their income or savings.
To be fair to good "debt collectors", it is important to know that not all persons employed in the collection are ruthless and devoid of basic humanity. As a matter of fact, most collectors are more interested to try it and the results compared to non-productive issues and harassment. However, if you're on the receiving endany type of communication is unacceptable from the collector is not results-oriented, do not hesitate for a moment to tell this person to the Federal Trade Commission and / or the Attorney General. And do not be afraid to tell the collection agency with which you have to do exactly what their intentions. The FDCPA is intended to protect consumers from abuse by debt collectors - if you need it, use it.
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