subject: What A Debt Collector Cannot Do [print this page] According to the Fair Debt Collection Practices Act, debt collectors are allowed to make an effort to collect a debt that you owe. They may call you, send you letters, or even file a lawsuit against you. However, there are certain methods they cannot use to get their money.
Debt collectors cannot contact you at inconvenient times, such as after 9 oclock in the evening or before 8 oclock in the morning. They must also refrain from contacting you at work unless both you and your employer have given your express permission. If you have an attorney representing you with regard to your debt, debt collectors must contact your attorney instead of you.
Debt collectors cannot contact any third party more than once to inquire about your whereabouts. Though they can ask third parties to supply your phone number or place of employment, they cannot give the individual any information about your debt. Debt collectors cannot harass or abuse you with repeated phone calls, and they cannot threaten you with acts of violence. In addition, the law does not permit debt collectors to make false accusations or misleading statements. Furthermore, they are not permitted to attempt to collect more than what you actually owe.
The law does not allow debt collectors to make empty or false threats. They cannot intimidate you in order to collect a debt. For example, a debt collector cant threaten to file a lawsuit against you if it cannot legally do so or does not plan to follow through. Debt collectors cannot threaten to have you arrested if you fail to pay. Finally, debt collectors cannot contact you using a postcard. If they contact you using mail, all correspondences must be enclosed in an envelope.
If you believe a debt collector is breaking the law, you should take action. Visit CreditNowUSA.com today to learn more about what you can do to fight against an unruly debt collector. CreditNowUSA can also help you on your way to debt relief and credit repair. Simply complete one of CreditNowUSAs simple online applications, and a representative will contact you with more information.
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Looking for Yourself
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For more information, go to Collection Practices at http://www.creditnowusa.com/Collection-Practices
