Are you being harassed by a consumer debt saving agency? Are you getting calls at work and all times of the day and night at home? Does the company laborer call you repeatedly throughout the day and/or week? You should know that you do not have to take this kind of treatment. Help is available.
The Fair Debt collection Practices Act of 1977 (Fdcpa) governs debt collection companies. Those which go by the name consumer debt saving tend to be much more aggressive than associates which do not use that moniker. These associates have been known to indeed terrify consumers. But you do not have to accept harassment at the hands of a debt collection company no matter what it calls itself.
Consumer
The Fdcpa limits such associates to contacting you no more than three times in one week and that includes telephone calls and mail. You cannot be called at work more than once in a week. You can edify the agency in writing that you do not wish to be called at work and the agency has to honor that invite so long as you provide a amount where you can be reached and the hours you will be available. All notifications to a collection company should be in writing and sent by certified mail, return receipt requested.
When you are first contacted, the representative has to advise you that s/he is attempting to gather a debt. You are entitled to the name of the creditor, the amount of the debt, and how much is being claimed is outstanding. If you invite it, the agency has to provide you with written verification of the debt. You must invite this facts within 30 days of the company's first palpate with you. You can edify the agency in writing that you do not wish to be contacted by the company anymore and all palpate with you has to cease. However, the company will either sue you, narrative you to the reputation bureau, or pass the debt on to an additional one agency. You should make a good faith attempt to rule the matter.
consumer Debt recovery - Are You Being Harassed? Consumer
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