Illegal Debt Collection Tactics Part 15: The name of the recovery of a cease communication notice

The Fair Debt Collection Practices Act, also known as the FDCPA, is the best protection of consumers against harassing collection calls, threatening letters, collections and other unethical methods that, according to federal law, are FDCPA violations, and may be fined up to $ 1,000 per violation and, where appropriate, arrest and detention. The U.S. Congress passed a law that was proposed by the FederalCommission in response to numerous consumer complaints about unfair or illegal methods used by third parties in order to recover debts.

Creditors often sell delinquent accounts to a third party for collection efforts, and are not always ethical or use collection methods that are within the law. The FDCPA has strict rules on the methods to collect may be used, and each year there are thousands of cases of consumption claims against companies for possible violations of deposit collections. Many of these claims before the court, and often the court rules in favor of the consumer. Every time we're dealing with a debt collector, you should be aware of what is covered by the FDCPA violations so you can protect yourself.

You should always ensure that when contacted by a collections company to have everything in writing. You need to have a letter of approval by the> Collections agent. There can be only a phone call. Also be aware that you can receive calls at home or gathered in working hours from 08:00 to 09:00. The exceptions to this rule if your employer prohibits personal calls during working hours, or if you feel that this is an inopportune time. You do not have libraries to provide the Company with a plea for the inconvenience, but you must make your request in writing. If you are contacted about a debt,and can demonstrate that it is a duty, the debt collector must cease all communication of any kind. The law is very explicit.

Some debt collectors can be very aggressive and verbally abusive. Can threaten to take their personal property and sell it, or threaten to arrest and imprisonment. You do not have to talk to them, and if they are repeatedly calling or harassing you, or sending threatening letters or postcards, is a FDCPAviolation of each case in order to keep track of calls and all forms of communication, whether by mail, fax or email. You can tell that I only want that the communication is in writing and must comply if the request is in writing. If the sign of the continued efforts of the debt after sending a formal letter, you must comply or they are violating the Fair Debt Collection Practices Act ifsent a letter can only communicate with you once more to inform the user about the status of the account. If you remain in contact after sending a letter of Termination of communication, are committing a crime in the FDCPA.