Collection Practices How To Get Help With Violators Of The Fdcpa

Many consumers are victims of unethical or illegal collection practices by unscrupulous debt collectors

. For the year 2005 alone, for example, there were 66,000 complaintsand that only covers those persons who bothered to file a complaint!

Part of the reason there are so many Collection Practices abuses is the fact that consumers are often misinformed or uninformed about their rights. They may not, for example, know that under Fair Debt Collection Practices Act (FDCPA), a debt collector is prohibited from these collection practices:

1. Contacting third parties about your debt more than once (only to find your whereabouts), mentioning your debt.

2. Refusing to confirm your debt in writing upon request.

3. Falsely representing themselves, lying, or making false or illegal threats.

4. Calling you before 8am or after 9pm or at work (once they are told to desist).

5. Illegally adding to your debt unless the original contract allows it.

6. Garnishing your wages or seizing your property without a court order.

7. Violating local and state laws/statutes that go beyond FDCPA.

Another reason consumers fall victim to unethical Collection Practices is their failure to take action against Debt Collectors. If you are being harassed by Debt Collectors, consider these suggestions:

1. Get in touch with CreditNowUSA.com; CreditNowUSA will provide valuable information and practical solutions that can be implemented ASAPthe longer you wait, the less CreditNowUSA can do for you!

2. File a formal complaint with the Federal Trade Commission (FTC), which oversees most illegal Collection Practices.

3. File complaints with state and private consumer advocacy agencies; this will enhance your case regarding illegal Collection Practices.

4. Be prepared to hire an attorney, especially if the debt is large, you have sustained harm because of illegal Collection Practices, you dont owe the alleged debt, and your life has been negatively affected.

5. Consider filing a lawsuit, if advised to do soCreditNowUSA can help you determine if one is warranted. In some cases, you may get reimbursed for legal costs, in addition to damages against Debt Collectors found guilty of illegal Collection Practices in a state or federal court (usually within a year of the violation

For more information, go to Collection Practices at http://www.creditnowusa.com/Collection-Practices

by: Money Lender

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