subject: Get Help With Unfair Debt Collection Practices Here [print this page] If you have debt because of a credit card, medical bill or mortgage, you probably have experience with debt collectors. Dealing with debt collectors can be difficult, even when the debt collector is following the rules. You may have difficulty making ends meet while facing the constant calls and looming threat of a debt collector. But how do you know if a debt collector is using fair debt collection practices?
Its even worse when the debt collectors are using collection practices that go above and beyond the law, breaking the rules and even harassing you. You may feel overwhelmed, hopeless, or even embarrassed. You may not think theres anything you can do. Thats simply not true. There are limits on what a debt collector can do, say, and how far they can go with their collection practices. Were going to explain some of those limits and offer some tips on dealing with unfair debt collection practices and overly assertive debt collectors.
Understanding the Fair Debt Collection Practices Act (FDCPA) will help you deal with any debt collector. The Federal Trade Commission (FTC) enforces this act. It ensures a debt collector cannot use collection practices that are unfair, abusive or deceptive to collect debt. What does that mean in terms anyone can understand?
It means debt collectors cannot contact you at work if you tell them youre not allowed to receive phone calls at work. It means debt collectors cannot, as part of their collection practices, call you at inconvenient times or places. It means the debt collector has to provide you with certain validation in writing within five days of first contacting you.
The Fair Debt Collection Practices Act also means debt collectors cannot harass or abuse you. They cant threaten you with bodily harm, curse at your with obscene language or annoy you with multiple telephone calls. They cant lie and make you think youll face arrest you dont pay them. The FDCPA limits who a debt collector can talk to about your debt and how many times the collector can contact a third party during their collection practices.
If youre dealing with debt collectors and unfair collection practices, there is a way out; CreditNowUSA.com can help. You can get relief from collectors and stop the harassment. Visit CreditNowUSA.com today for a free consultation from a professional attorney and get the help you need.
For more information, go to Collection Practices at http://www.creditnowusa.com/Collection-Practices
