Collection agencies in recent years have been known to use all kinds of pressure tactics and misleading to consumers to collect debts. Sometimes these tactics are over the crossbar and then violate the law. Were taken under the Fair Debt Collection Practices Act which prohibits deceptive and abusive behavior by debt collectors, here are a few behaviors that are prohibited as stated in the law:
Contact you towork-collectors are forbidden to contact you after they have been repeatedly written instructions to stop. They were also forbidden to contact the office after an instruction has been given against such behavior.
Threatening arrest or legal action "There is no law that says you can be arrested for an unpaid debt, and collectors have no right to threaten legal action.
Telephone Contact Hours are debt collectionlimited contact outside working hours 8:00 to 9:00 local time.
profanity or abusive collectors are prohibited from using such language in the notice with respect to consumer debt.
Harassment; Having your phone ring constantly and repeatedly can be annoying, so collectors are prohibited from using your phone as a means to harass.
Contacting you by the debt term validationcan not touch once they have asked for a validation of a department. At that time, it must investigate the debt and send a copy of proof or validation of the original creditors name and address. It 's just that when they made contact with you.
Misrepresentation or deceit, debt collectors are prohibited is misrepresented as law enforcement officials or a lawyer in the process of trying to collect the debt.
Oncehave informed the bailiffs who are represented by counsel, no right to communicate with you. If the debt is to violate any of the Fair Debt Collection Practices Act's statutory damages to the amount of $ 1,000 plus legal costs.
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