collection agencies and debt collectors can be held liable for the Federal Trade Commission (FTC) for violating the Fair Debt Collection Practices Act (FDCPA). collection company may be ordered to pay heavy fines for violations. Violations misleading as debt collectors, threatening, harassing and consumers. What are all violations of the Fair Debt Collection> Practices Act (FDCPA).
Some debt collectors, to make matters worse, threaten or falsely suggest that consumers have their wages garnished, assets seized or initiate lawsuits or criminal proceedings against him for nonpayment. Some collectors call people in your workplace or home, and disseminate information to employers, colleagues, family and neighbors.
The FTC receives hundreds of complaints against collection agencies.However, it is for us as consumers to the Federal Trade Commission aware of these violations. Well, let this be fair warning: The tax collectors can not get away with violations of the FDCPA and the use of abusive tactics. People are struggling and are learning to defend themselves.
Consumers owe me more informed about their rights under the law. Some collectors even choose to cross the line and in some cases, walk right on the line and move on.All in an attempt to recover outstanding debts.
Debt collectors can be intimidating and make people careless too much stress. If you are a victim of the debt collector tactics, there are steps you can take to defend and protect themselves.
It would be very useful to file your complaint online using the FTC consumer complaint form, http://www.ftc.gov/ftc/complaint.shtm (copy and paste into your browser).
The FTC does not resolve individual consumer problems, butinvestigation of the complaint will help with anything illegal. You can also inform the collector that you are aware of their rights and that if they insist on violating the FDCPA prepared you to send your complaint to the FTC.
Name of paper debt collector, collection agency name and address, telephone number, date and time of all communication. This will certainly be helpful when you contact your state attorney general to filecomplaint.
Note that a tape recorder to hand the next time a debt collector decides to go down the street and violate the law. Remember that a complaint does not necessarily eliminate your debt, but being aware of these methods can be in a position of power when negotiating terms of payment or settlement.
Imagine the amount of influence that when the debt collector is the supervisor listens to the taped conversation ofemployee who violates the Fair Debt Collection Practices Act very powerful things.
God bless you.
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