Important Things About The Fair Debt Collection Practices Act

Whenever individuals or businesses start showing sign of being unable to pay his or her debts

, creditors will sooner or later find ways on how they can get back the money. Sending out letters or initiating phone calls are ways that can be used by these creditors. Messing up with ones wage and repossessing assets can also be done by them. And just to make their debtors pay, they may even harass them. Now, protection is being sought by Arizona debtors.

The Federal Trade Commission (FTC) has actually been implementing the Fair Debt Collection Practices Act (FDCPA) which was amended by the United States government way back 1977. The FDCPA serves as a debtors protection from creditors who may engage in harassing acts such as using abusive language or threatening debtors using physical harm just to collect these debts. This can be a good protection that Arizona debtors have been looking for. And it is not only for people in Arizona but covers everyone under the United States government. Here is a list of instructions in case you want to file a complaint against an offensive creditor.

Visit at ftccomplaintassistant.gov which is the site of the Federal Trade Commission's Bureau of Consumer Complaints.

Look in the website and select the complaint assistant form.

The form will provide you questions regarding your complaint. Carry out your best to reply to that correctly.

The companys name, address, telephone number, email address and website are information that will the website asked from you.

Your name, address, email address and telephone number will also be asked by the website. This will serve as your contact information in case the FTC decides to ask you for further details regarding your complaint.

Review your form before sending it. Be sure to provide all the information needed for your complaint. Then, click Accept if you think you have provided all the necessary information.

If you need more details about the Fair Debt Collection Practices Act, consult an Arizona Bankruptcy Lawyer to help you.

by: John Raymond Collado

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