Did you know that more than a collection agency? Know! It s a shame that there is a need for these laws, but we are very fortunate that they were created to protect us. These laws are called Fair Debt Collection Practices Act is a godsend for people regularly harassed by a debt collector. I'll give you a quick overview to give you a basic idea of what their rights are.
Not allowed to threaten them with arrest.Unfortunately, there have been instances where this has happened. They will tell you if they refuse to pay, have stopped or arrested. Do not panic if you say that. This can not happen, and not allowed to say that. No verbal abuse is allowed in any way. This includes calling names, making fun of you, or use of profanity.
They are not authorized to false or inaccurate information in your credit report. Nor are they allowed todiscuss your debt with anyone except you, your spouse or your attorney. For example, you can not call your neighbors to talk about your debt. It seems obvious, but this has happened in the past, and still does! They do this to shame you to pay them.
Never talk to a debt collector on the phone, except to say that you want to communicate via email. Once this is done we will send a letter the same thing. Sendwith acknowledgment of receipt. You need to do this to have the test. E 'illegal for them to make a call, once you get that letter.
So you know they are protected by the debt collector abuse. To get the best credit repair tips available, click on the link below.
No comments:
Post a Comment