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Know your rights and proposed laws on creditor harassment

Published by BG Johnson | January 19th 2010 | Views:

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A collector may contact the debtor in person, by mail, telephone, telegram, or fax. However, a debt collector may not contact you at inconvenient time or place, such as before 8 a.m. or after 9 p.m., unless the customer agrees. A debt collector also may not contact at work if the collector knows that the employer disapproves of such contacts.

One can stop a debt collector from contacting by writing a letter to the collector telling them to stop. Once the collector receives the letter, they usually may stop all means of contact. Although such a letter will stop debt collection harassment, it does not prohibit the collection agency or original creditor from suing.

Contact a Lawyer familiar with Creditor Harassment Law for your rights!

If one has an attorney, the debt collector must contact the attorney. If one does not have an attorney, a collector may contact other people, but only to find out where one resides or the workplace details and the phone number. Collectors are usually prohibited from contacting such third parties more than once. In most cases, the collector may not tell anyone other than attorney that you owe money.

Within five days after you are first contacted, the collector must send you a written notice confirming the amount of money one owes; the name of the creditor and what action is to be taken regarding the same.

HARASSMENT: Debt collectors may not harass, oppress, or abuse one or any third paror example, debt collectors may not:

Give false credit information about anyone, include a credit bureau, send anything that looks like an official document from a court or government agency by using a false name. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, collectors may not collect any amount greater than the debt, unless the state law permits such a charge.

Example

Deposit a post-dated check prematurely.

Deceptive use of telegrams and make the customer to make payments for it.

One has the right to sue a collector in a state or federal court within one year (in most cases) from the date the law was violated.

Contact a Lawyer familiar with Creditor Harassment Law: A Lawyer provides clients with sample collection letters to send out to the creditors.

Collection agencies can be very aggressive and will resort to just do about anything to extract money; this includes calling continuously, writing nasty letters, making threats, harassment, and a variety of other scary tactics. Living with the dark cloud of debt hanging over, one can be overwhelming, as relief is available right now with the consumer protection law (FDCPA). One can un-burden and live free again by contacting the office right away.
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