FDCPA Violations Part 1: asked to pay more than Owe You

The Fair Debt Collection Practices Act are the criteria on how the collections of the call can be made, and if there is a violation of the FDCPA, consumers have certain rights under federal law that determines what actions can be taken against the agency Debt Collection Methods unfair and unethical debt collection. Thousands of law violations are reported by consumers each year and each is investigated.

High pressure and fearTactics are two methods commonly used by less than ethical to third party agents try to collect a debt. If you're dealing with a serious illness, death or job loss is a cause of great stress and anxiety, and being harassed by debt collectors worse the situation. The Fair Debt Collection Practices Act became law to protect consumers from unscrupulous lenders, and you should know what a debt collectorcan and can not do under federal law. If a collection agency violates the law may face a possible lawsuit against him. When you have debts to pay, and are constantly receiving requests for the collection, the third party may request or even demand that you pay more than you really owe. It may also require additional fees or interest. Both practices are against the law.

According to [15 USC 1692nd] § 807 (2) (a) these false statements andViolation.The FDCPA a debt collector can not be explicitly ask to pay more debt than you actually owe. A debt collector may not use false, misleading or deceptive, any method of debt collection. The incidence of false statements include the claim to be affiliated with the federal government or a state government does not mean that a lawyer or any communication sent to a debtor has an attorney. They can not understand that non-payment of debtresult in the debtor is arrested and imprisoned, nor can they say that the person who owes the debt has been taken of their goods and sell them their wages garnished. The only way they can make claims for payment if the creditor is not actually going to take action against them.

According to [15 USC 1692f] § 808 (a), the law provides that any collector can add any accessory in the original agreement, if it was a loan or creditagreement. If additional costs, expenses or interests have been agreed by both parties to the original contract, you may have to pay. However, a debt collection agency has no right to add any additional cost. In addition, you can not deposit or threaten to deposit postdated checks even before the date that is written to the control. The collector can not take any real or personal property unless specifically listed as collateral for a loan or credit. Ifpersonal property is exempt from such actions, for any reason, moreover, can not be seized.

collections calls and any breach of the provisions of the FDCPA Fair Debt Collection Practices Act should lead to immediately seek legal assistance as an attorney to handle the collection of cases of consumer debt, can help resolve the situation to your satisfaction .