If you feel you have been harassed by debt collectors, the Fair Debt Collection Practices Act is there to help. Call the creditors are not pleasant, but if you have a disability and a limited income, may be even more stressful, and may worsen disability.
That's why there are various state and federal laws to protect, including collection practices fair debtLaw>. How to help By limiting what collectors are allowed to do and say to you.
There are some things you just can not do with Fair Practices Act Debt Collection
* E 'illegal to harass him. The forms of harassment include but are not limited to: threatening violence, ethnic, derogatory comments about disability, and incessant phone calls.
* I'm not allowed to tell otherson its debt. You can tell your spouse, your lawyer or a person who signed a debt to you, but are not authorized to discuss it with anyone else.
* You can not go to prison just for the money owed. If a debt collector threatens to jail, probably breaking the law. Note, however, that you should never ignore a legal notice, a court date - you can be arrested for ignoring legal.
* Must useproper legal channels to obtain money or property. You can try to scare you into making an immediate payment, but in some cases confiscating their property without obtaining a court decision. And some properties, such as disability income, often protected from creditors.
When you're dealing with creditors, there are some things you should do to the Fair Debt Collection Practices work to represent you.
*Always take notes when talking with them. It is important to have a clear record of what I say to you, especially if they are acting illegally.
* Keep copies of any information or letters received from or sent to them. Again, you want to delete the records of any interaction with the creditors.
* If a debt collector is acting unlawfully, you can sue. Some lawyers take the case of quotas name, which means you do not get paid unless you win. And if you win a lawsuit against a collection agency may be forced to pay legal costs.
If you feel you are being harassed, there is a toll free number available, the collection complaint hotline. You can talk to a lawyer for free, and get legal advice or even find someone to take the case of the quota name.
Dealing with debt collectors can be a cause of extreme stress, especially if it is disabled. But the FairDebt> Collection Practices Act is there to protect you. The same applies to the work for you, and learn everything possible about the law.
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