Debt Collection
If you or someone you know falls behind in paying their bills, there is a good chance
that they will be contacted by a debt collector. The important thing to remember
about this is to stay calm and remind yourself that you are in control of the situation.
The government agency that has jurisdiction over these debt collectors is the FTC
or Federal Trade Commission.
The consumer protection agency that enforces the laws of these debt collectors is
the Fair Debt Collection Practices Act (FDCPA). This agency has laws in which the
debt collectors must abide by, or they will be deemed as having broken the law.
Some of these laws include the following:
- Debt collectors must not use abusive, unfair, or deceptive practices to collect
monies from you.
- A debt collector cannot call you before 8:00 am and after 9:00 pm.
- They may not contact you at your place or work.
- If you have an attorney who is representing you about your debt, the debt collector
must contact the attorney, rather than you.
- If you decide after contacting the debt collector that you don�t want the collector
to contact you again, tell the collector � in writing � to stop contacting you.
- If you want them to be professional, you be professional as well. Open dialogue
is almost always the best course of action in these situations.
Remember, debt collectors cannot harass you, use threats or imply harm to you. They
cannot make false statements to you such as they are attorneys, if they are not
or are representing the government or some government agency.
Debt collectors can garnish your wages or get a judgment against you. However, you
may counter sue them and/or negotiate a settlement with them before they take any
action against you.
If you believe your rights have been violated by a debt collector you should:
- Report any problems you have with a debt collector to your state Attorney General�s
office by going to www.naag.org.
- Report any problems to the Federal Trade Commission at www.ftc.gov.
- File a complaint by going to www.ftc.gov or call 866-653-4261
for help.
Here is why we are the Preferred Debt Relief and Debt Reduction service in America
- You can become free of credit card debt once and for all.
- You can receive immediate debt relief and no more creditor phone calls.
- We negotiate and settle your debt on your behalf.
- 15 years of helping hundreds and hundreds of clients across America.
Please call us toll free at 800-890-6658 for a Free Debt Relief-Debt Reduction Consultation.
Or use our Debt Relief Getting Started form.
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