Calls from debt collectors may ruffle the feathers of the most difficult. People have changed their phone numbers and even disconnected their phones to avoid the "draft collector."
Consumers have rights. Under the Fair Debt Collection Practices Act, you can tell collectors to stop calling. Collectors prefer bother you by phone because they want to intimidate and upset. They know that many people are not aware of it FDCPSlaws to protect them. While laws differ from state library to another, there are some rules are not firmly fixed collection agencies. They can:
Harass - can be contacted 8:00 to 9:00 is just to say they are debt collectors. The use of profanity or threats is not allowed. If you know your employer disapproves, he can not contact at work. Since collectors do not usually know the rules work, you must informthis.
Lies - Collectors can not suggest that they are far from collectors. For example, which means that an employee of the state or federal government agency or a police officer. This indicates that you have committed a crime or be arrested for nonpayment is not telling the truth. debtor's prison no longer exists and can not go to jail for an unpaid debt. The exception to this would be tax and federal debts.
Unfair Employment Practices -Collectors may not threaten to take your property unless they have authority. They can send postcards (violation of privacy rights). Accept a postdated check for more than five days is illegal unless consumers are informed in advance when deposited.
What should you do if you think a creditor has taken place, deceptive, unfair or abusive practices? The FDCPA provides for the protection of consumers against unfair practices by collectors. If you decide to suea debt collector for violation of the FDCPA, would be left to judges to decide what constitutes harassment.
There are other things you should know about filing a lawsuit. You have until one year after the alleged violation to sue. If the court decides in your favor and you win, you may be entitled to compensation for damages and an amount of up to $ 1000. You may even be able to recover attorneys' fees and court costs.
Collect calls can be very stressful. But thereis a way to stop them. Just write to request that you contact most. Send your letter by certified mail, return receipt requested. After the collector receives your letter, they are not authorized to speak to you again, by mail, and can learn more efforts to collect the debt will remain, the collector can take certain actions or collector definitely take certain actions ( may or may not indicate the measures in the letter.)Stop the calls did not relieve it of its responsibility. You still have the money, and the company may pursue other collection tactics.
The best way to avoid these stressful situations is to ensure that the financial house in order. Unfortunately, it can be easy to get caught in a cycle of debt. A particular problem is common today that people are overextended with payday loan debt. Try to stay out of this debt trap, but, if foundEnjoy, learn your rights!
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