What Can My Debt Collector Can and Can't Do To Me?
- Author Liz Roberts
- Published March 29, 2010
- Word count 478
Sometimes creditors assign a debt collection agency to manage the collection of a customer’s past due debts. As a borrower it does not decrease your right to privacy and respect even if a debt collector takes over debt collection.
The FDCPA or Fair Debt Collection Practices Act has certain rules on how a debt collector should carry out their obligations. Unfortunately, there are some debt collection agencies who cross their boundaries and are even inclined to disrespect or abuse borrowers.
Have you been a victim of an unjust collection practice, like being threatened or harassed by a debt collector? Know your consumer rights and if you know that some of your rights have been violated, you can do something about it. You can immediately report to the Attorney General's Office in your State and file for a complaint to the FTC.
The following are a few of the unjust activities that a debt collector should never attempt to do to a person in-debt:
• Calling at your office even after being informed not to- Some employers do not allow such calls and if your debt collector continues to contact you in your workplace after being instructed not to do so, you may file a complaint.
• Calling at inappropriate hours- A debt collector can contact you after 8am, not after 9pm. If you gave permission for a creditor to call you after 9pm or before 8am, then that should be fine. However, if a collector attempts to call you at inappropriate hours without your approval, you may file a complaint against him or her.
• Using foul languages, threats and calling names- Any form of verbal harassment is a violation of your rights. Never tolerate a debt collector who does not treat you with respect.
• Using false information to intimidate or even scare you- If your debt collector informs you that you have been sued and your property will be confiscated, verify if such information is true or not. If no legal action has taken place, you may file for a complaint against the debt collector.
• Trying to contact you directly when you have an attorney- If you have an attorney who represents you, inform all your creditors about it. Under the law, the debt collectors must only contact the attorney and must never collect from the borrower directly.
• Reveal information about your debts to anybody- The debt collector should never bring out any information about your debts to your relatives, friends or your employer. A debt collector must respect your privacy rights. Details of debts are confidential matter that should only be between you and your creditor.
• Using threats to make you pay- Creditors and debt collectors should not use threats no matter how big or small your debts are. Debt collectors and creditors must be professional at all times. They must conduct business practices with respect and dignity.
Liz Roberts is a freelance writer and loan consultant. The website BadCreditResources.com offers resources that specialize in providing bad credit loans and credit cards for bad credit.
Article source: https://articlebiz.comRate article
Article comments
There are no posted comments.
Related articles
- Non resident Mortgages in Spain
- Effective Strategies for Paying Off Your Mortgage Faster
- How Does Equity Release Work?
- Florida First Time Homebuyer: The Indispensable Guide of Tips, Programs, and Resources
- How to Become Debit Free?
- Sellers Concession the Closing Cost Option
- Financing Short Term rentals with DSCR loans
- Why move to Roseville CA
- Simple Interest Mortgage Advantage
- Are Low Doc Commercial Loans available in Australia
- How to Obtain a Rural Agriculture Loan Quickly and Easily
- What is a Caveat Loan?
- Tips for improving your Credit Score before getting a Home Loan
- 3 Things To Look out for With An Equity Release Mortgage
- Manage your Debts by Refinancing your Current Home Loan
- How to Get a Home Loan with Unusual Employment or Income?
- 20 Effective Debt Consolidation Loans Tips with Bad Credit
- Tips for Choosing a Non Conforming Lender
- Why is a Good Credit Rating Important in Australia?
- Most Common Ways That People Fall Into Personal Bankruptcy
- How to Choose a Consumer Credit Counseling Agency?
- Consolidate Your Debts and Take Control of Your Finances
- How to get a Home Loan due to a Bad Credit Report
- Debt Consolidation Home Loans are a Solution to Multiple Debt Problems
- Facts You Should Know About Low Doc Home Loans in Australia
- No Doc Loans from Private Lenders
- Home Loans to Consolidate Debt for People with Bad Credit
- How Can I Get a Mortgage If I Have a Bad Credit History?
- Guidelines to Fix Bad Credit Effectively Through Dispute
- Dealing with Debt – What to know about Debt Consolidation