subject: Collection Practices What The Fdcpa Means To You [print this page] Debt collectors use a wide variety of tricks to try to get you to pay, and they arent above trying to embarrass you or even get you fired. If youve had a debt collector call your neighbors, your family and even your boss, then you know how upsetting and disruptive these collection practices can be. The Fair Debt Collection Practices Act was put in place to keep debt collectors from destroying lives with their collection practices.
With the FDCPA in place, each debt collector is bound by rules for when the debtor can be contacted and whom the collector can contact. If the debt collector doesnt have your address or other necessary information, that collector can contact the people around you to get that information. However, if the collector contacts you at work and you are not permitted to get calls there, telling the collector this fact requires the collector to stop calling you at work. The legal collection practices require that debt collectors only call between 8 a.m. and 9 p.m. A debt collector is not allowed to use collection phone calls to annoy or harass you.
When it comes to debt collection, the law forbids collectors to lie to you about your debts, threaten you or tell others about what you owe. However, many collectors employ these collection practices to get money out of their victims. In many cases, the person being harassed doesnt even owe the debt. Trying to fight these illegal collection pratices alone is an uphill battle that many victims have lost.
If you are a victim of unfair and illegal debt collection practices, CreditNowUSA can assist you in getting the harassing phone calls to stop. Collection practices that are making your life difficult or embarrassing are illegal, and you need a consultation with us to end the harassment. The FDCPA can be enforced to ensure that you arent being taken advantage by collections with shady collection practices.
For more information, go to Collection Practices at http://www.creditnowusa.com/Collection-Practices
