A file can help fight the debt collector to get the collection calls to stop. The file should include: All dates and times of all correspondence, including voice mails, pre-recorded messages, live phone calls…
How can you deal with a debt collector, especially if they are threatening you, and/or using obscene language? Here are three primary rules of thumb you should take into account if you are being continuously called by a collector.
This law is designed to stop collectors from being abusive and unprofessional. Even if you owe money and the debt is really yours (you will be amazed at how many folks are called for another person’s debt), the collector must still treat you fairly and respectfully.
Debt Collection Calls are never a pleasant experience but chances are, there is a reason you are being contacted. The first thing you want to do is take control of the call. Do this by asking questions. What is the company name? Where are they located? Tell me more about my debt history? Take notes…
Debt collection agencies often employ harassing tactics that take advantage of consumer’s ignorance of the laws that are in place through the Fair Debt Collections Practices Act.
Introduced as a US Statute in 1978 as Title VIII of the Consumer Credit Protection Act, the Fair Debt Collection Practices Act (or FDCPA) aims to protect the rights of consumers against abuse and deceptive practices of debt collectors. CreditLaw.com was created to ensure anyone who is being harassed by Debt Collectors is protected under…