Are You a Victim of Unlawful Debt Collection Practices?

Dealing with some company's debt collection practices can be a trying time for many people. Debt is a problem that almost every American is familiar with. With credit cards being easier than ever to obtain, more and more people are getting into debt that they can't afford to get out of. When you rack up bills that you can't pay a collection agency may be brought into the mix. When you owe a debt that has been turned over to collection, they will try and contact you in order to collect the debt.

Debt collectors have the reputation of being difficult to work with. Some of them have been unscrupulous over the years. Now the federal government has set forth some laws that debt collectors must abide by. If they break the rules, they can be punished in a variety of different ways. Knowing when to turn a debt collector in for unfair practices is an important bit of information. You should not be treated unfairly and knowing your rights as a debtor is essential. Here are a few things that debt collectors can and cannot do.

Phone Calls

One of the most popular ways that debt collectors will try to contact you is by phone. There are certain things that they can do and certain things that they cannot do with a phone call. Some people believe that they have to contact you in writing before they can call you. However, this is not true. They can contact you by phone first, but they have to then send you written notification in the mail with five days. If someone continually calls you without sending you written communication, they are doing something illegal.

The times that they can call you are also restricted. They cannot call you before 8:00 a.m. and they cannot call you after 9:00 p.m. If you get a phone call from a debt collector outside of that range, you need to report them.

A debt collector also cannot harass you on the phone. This includes constantly calling you on the phone. If you get 10 phone calls from a debt collector in the same hour, you can probably classify that as being harassed. Make sure that you get their information and report them if they are calling you all the time.

Many people think that they cannot call you at work. They can call you at work until you notify them that your boss does not allow those types of phone calls.

Things They Say

Once they get you on the phone, there are a few things that they cannot say. For one thing, they cannot talk down to you or make you feel inadequate. If they make a derogatory comment about you or your ethnic group, they are at fault. They also can not threaten you with a lawsuit, garnished wages, or physical violence. If someone is threatening you and you feel uncomfortable about it, report it to the authorities


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