If you feel you have been harassed by debt collectors, the Fair Debt Collection Practices Act is there to help. The creditor calls are never pleasant, but if you are disabled and whose income is limited, may be even more stressful, and can also worsen their disability.
That's why there are various federal and state laws to protect, including the Fair Debt Collection Practices> Right. How to help By limiting what the bailiffs are allowed to do and say to you.
There are a number of things that just can not do with the Fair Debt Collection Practices Act.
* E 'illegal to harass him. The forms of harassment include but are not limited to: threats of violence to ethnic slurs, derogatory comments by a disability, and phone calls implacable.
* Not allowed to tell otherson its debt. You can tell your wife, your attorney or a person who has co-signed a debt to you, but are not allowed to talk about it with anyone else.
* You can not go to jail just for money. If a debt collector threatens you with jail, is more likely to break the law. Note, however, that one should never rule out a legal notice, as a subpoena - which can be arrested for ignoring the legal notices.
* You must use theproper legal channels to obtain money or property. They may try to scare to make immediate payment, but some do not confiscate your property without taking you to court decision. And some properties, such as disability income, often protected from creditors.
When you're dealing with creditors, there are a few things you should do to make the Fair Debt Collection Practices Act work for you.
*Always take notes when talking about them. It is important to have a clear idea of what I say to you, especially if they are acting illegally.
* Keep copies of any information or letters they receive from or send to them. Again, you want to delete any interaction with the creditors.
* If a debt collector is acting unlawfully, you may be able to name. Some lawyers will take your case on the basis of the tariff quota, which means they do not get paid unless you win. And if you win a lawsuit against a collection agency, may be forced to pay legal fees.
If you feel you are being harassed, there are a number available toll free, Collective complaint line. You can talk to a lawyer free of charge, and obtain legal advice or even find someone to take your case on a contingent fee.
Dealing with debt collectors can be a cause of extreme stress, especially if it is disabled. But the Fair> Debt Collection Practices Act is there to protect you. The same applies to the work for you, and learn everything possible about the law.
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