What I can do to protect debt collection?

Debt collectors may start with their harassing calls but the law protects you in several ways. Know your rights, you can fight back.
Even if a debt collector has the right to pursue different collection methods, the tactics of intimidation, some are illegal and you can always take legal action against them whenever they break the law. Dealing with debt collectors can be very stressful, but if you know how to protect yourself you can get someease.

The Debt Collection Practices Act Fair

This law protects consumers from unfair methods or harassment by debt collectors. You must understand that this law applies to collection agencies (and not the original creditor). So every time you are contacted by a debt collector, the following information should be presented:

Debt collectors must identify themselves, their agency,original creditor name and amount due. You can challenge that amount within 30 days and rightfully demand that they stop contacting you if you have already deleted or if the debt is illegitimate. Through a letter from the contact high you can ask them to stop calling and sending letters. After that, you can call and inform him that they have decided to discontinue the collection cause.

Illegal practices

E 'illegal for collectors to make phone calls before 8 am or after 9:00 pm. In addition, you can not call a friend or neighbor or workplace. It is also strictly forbidden to call the employer or use the work as a means to intimidate in any way.

It is also forbidden to threaten seizure or detention of property, personal injury or any other illegal or aggressive intimidation. Furthermore, the useProfanity is prohibited from any disrespectful language or method of collection.

A common practice is forbidden by law is to contact a third party to find. When discussing your debt with friends, family, employers, your, your spouse and the attorney-debtor debt collectors are incurring cooperation in illegal activity prohibited by the Fair Debt Collection Practices Act and "not able to publishmail like legal documents or requests for payment by wire, express mail or credit card.

Their defense weapons

The FDCPA gives you the right to tell debt collectors to stop contact (even if they are breaking the law) through a letter from the agency to cease all communications with you. All agency employees are not allowed to get in touch, except to inform that collection efforts have ended or if you're going to sue.

DocumentMisconduct, if a debt collector violates the law, document every detail of the rape in particular, immediately, time and witnesses. Have another person present during all future communications with the collector. Some states permit recording telephone conversations without debt collector of knowledge. Others consider this illegal.

One complaint: a complaint with the Federal Trade Commission (FTC), which oversees collection agencies.Send a complaint form or letter with the collection agencies name, address, collectors name, dates and hours of conversations, names of witnesses, and copies of the offending materials you received. To protect your control can cancel the debt.

Sue the collector: A victim of abusive behavior, can sue the collection agency, but only if you have an extreme case. You can change the order of the small claims court or hire a lawyer,but their participation could add costs. You are entitled to (unrelated to actual losses) up to $ 1,000 for each violation of the FDCPA.