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It is very important that you obtain legal advice from an experienced attorney regarding your particular situation. Consultation before you take action will certainly cost you less than it will cost to fix your unintentional errors.

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Fair Debt Collection Practices Act:  This law protects you against unfair and coercive debt collection methods. You must know how the law can protect you and help you keep him in check.

A DEBT COLLECTOR CANNOT:

Fair Debt Collection Practices Act
  • Telephone you an unreasonable number of times
  • Telephone you at an unusual time/ unusual place
  • Disclose information of your debts to third parties
  • Use profane or other abusive language
  • Contact you after written notification that you do not want to be contacted any further
  • Claim to be affiliated with any governmental organization
  • Misrepresent the character, amount or legal status of a debt
  • Threaten of to take any action that cannot be taken legally
  • Accuse you having committed a crime
  • Threaten or communicate false credit information
  • Attempt to collect, until he honors your request to validate
  • Use deceptive methods to collect debts
  • Call you before 8:00 a.m. or after 9:00 p.m.
  • Call you, but not announce who he/she is.

FACTS FOR THE CONSUMER (THAT IS YOU)

Federal Trade Commission (very easy to read list of questions and answers) (such as: how can you be contacted, can they contact someone else, what is harassment, what is prohibited, how can you tell if they violated the law and where can you report violations?
Fair Debt Collection Practices Act

BORROWERS AND CREDITORS BOTH HAVE RIGHTS

The law prohibits creditors from using abusive or deceptive tactics to collect a debt. The law, however, also grants powerful collection tools to creditors once they have won a lawsuit over the debt. Here are six frequently asked questions and answers about debt collectors. NOTE: the law may change. The following is only a guideline. Check with an attorney in your state to determine your rights. Each of these is answered below:

It’s against the law for a bill collector who works for a collection agency (as opposed to working in the collections department of the creditor itself) to call you before 8 am or after 9 pm. The law, the Fair Debt Collection Practices Act (FDCPA), also bars collectors from calling you at work, harassing you, using abusive language, making false or misleading statements, adding unauthorized charges and many other practices. Under the FDCPA, you have the right to demand that the collection agency stop contacting you, except to tell you that collection efforts have ended or that the creditor or collection agency will sue you. You must put your request in writing.
Sample letter you can send to stop the calls:

◙ How to handle harassing creditors

No, the FDCPA (Fair Debt Collection Practices Act) applies only to bill collectors who work for collection agencies. Several states, including California, Florida, Louisiana, Maryland, Massachusetts, Michigan, Oregon, Texas and Wisconsin, have laws which bar all debt collectors–both working for a collection agency and working for the creditor itself–from harassing, abusing or threatening you or making any false or misleading statement. These state laws, however, don’t give you the right to demand that the collector stop contacting you. There is one exception: Residents of New York City can use a local consumer protection law (Rules of the City of New York sec. 5-77(b)(4)) to write any bill collector and say “Stop!”

Perhaps not. Under the FDCPA (Fair Debt Collection Practices Act), a lawyer must review each individual collection case before putting his or her name on a collection letter. The lawyer can’t simply authorize that a form letter be sent and then let the bill collector send it, with the lawyer’s signature, if the lawyer hasn’t reviewed the particular debtor’s file. To put a stop to it, you may be able to sue the lawyer for up to $1,000 in small claims court for violating the FDCPA.

No, and it could add a lot to your debt if you did. Many collectors, especially when a debt is more than 90-days past due, will suggest several “urgency payment” options, including:

* Sending money by express or overnight mail–this will add at least $10 to your bill; a first class stamp is fine.
* Wiring money through Western Union’s Quick Collect or American Express’ Moneygram. Another $10 waste.
* Putting your payment on a credit card means you will never get out of debt.

In this technological age, it’s easy to run but harder to hide. Collectors use the following primary resources to find debtors:

* relatives, friends, neighbors and employers–collectors pose as
long-lost friends to get these people to reveal your new whereabouts
* post office change of address forms
* state motor vehicle registration information
* voter registration records
* a former landlord
* banks

Not unless it was called for in your original agreement or allowed under your state’s law. Many states do authorize the collection of such interest. In California, for example, collection agencies can add interest because the Civil Code (sec. 3289(b)) permits a creditor to charge interest after default, even if the contract is silent.

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