Debt Collection If you are behind in paying your bills, you can expect to hear from a debt collector. A debt collector is someone, other than the creditor, who regularly collects debts owed to someone else. Lawyers who collect debts on a regular basis are considered debt collectors, too. What You Need to Know You have rights: Federal law requires that debt collectors treat you fairly. In short, that means: * A debt collector may contact you in person, by mail, telephone, telegram, or fax, but may not contact you at inconvenient times or places for example, before 8 am or after 9 pm unless you agree. A debt collector may not contact you at work if the collector is aware that your employer prohibits it. * If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you dont have an attorney, a collector may contact other people only to find out your address, your phone number, and where you work. * A debt collector may not harass, oppress, or abuse you or any third parties they contact about you. * A debt collector may not lie or mislead anyone when collecting a debt.
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