subject: Collection Practices If Debt Collectors Are Treating You Unfairly, Get Help Here [print this page] Theres no doubt about it, when it comes to collection practices, debt collectors will often treat you unfairly. You may need to get help in order to know how to deal with unfair debt collection practices. Debt collectors will resort to many different tactics to try to get people to give them money. That is their job.
There are limits, however, on how they can perform their job. There are certain things that a debt collector is not allowed to do. He may not call earlier than 8:00 AM or after 9:00 PM, for example. The FTC, Federal Trade Commission, was created to help protect consumers from abusive or intimidating debt collection practices.
Debt collectors are also not allowed to contact consumers by text, email, or through social media sites. They are not allowed to represent themselves as an attorney or the original creditor. The debt collector represents a third party, a company that has been hired to try to collect an outstanding debt, and they should be sure to present themselves that way.
Furthermore, debt collection practices require that the caller must state up front that the phone call is being recorded, and that it is for the purpose of collecting a debt. A debt collector is not allowed to be verbally abusive, or use threatening or intimidating language.
You have the right to request a written validation of the debt in question. When you do, it begins a 30 day debt validation period during which the debt collector is not allowed to contact you. Another possible way to deal with harassing collection practices is to declare bankruptcy.
If you have been experiencing unfair debt collection practices, you can find help. Here at CreditNowUSA.com, we have experience in dealing with debt collectors and their tactics. You may want to talk with one of our consultants about certain debt collection practices youre experiencing, and see whether they fall outside of acceptable practices.
You may also want to discuss the various possible ways you can handle your debt situation. Dont let unfair debt collection practices get you down. Get the help you need to deal with your situation.
For more information, go to Collection Practices at http://www.creditnowusa.com/Collection-Practices
