subject: Collection Agencies Cannot Claim Upon Your Ssi Disability Benefits [print this page] Is collection agency harassment making you gobble the slice of life slower than you wish?? Have you just started to receive SSI Disability benefits and debt collectors are creating nuisance to snatch your assets? Then, I must tell you dont get worried at all. Whatever you have got through your social security benefits are solely yours. Except you, only the federal government has its right on it. So, you can stay assured that your assets will remain yours.
Now coming to the harassment, let me inform you that as a consumer you have the right to protest against the harassment caused by the collection agencies. According to the Federal Debt Collection Practices Act (FDCPA) launched in the year 1977, it is obligatory that the debt collectors cannot behave irrationally with the borrowers. It is quite punishable to disturb the consumers illegally for debt collection. If you are facing such troubles conducted by the collection agencies then you can register your complaint under the Federal Trade Administration (FTA) and can also sue them.
Which acts can be considered as collection agency harassment??
Collectors can neither call you at odd hours nor surprisingly visit you without prior notifications. If they do so, it can trap them into troubles.
It is forbidden for the collectors to contact your colleagues or neighbors and discuss the matter publicly to insult you.
They have no rights on your property which you have got through social security benefits. If they try to do so you can sue them.
They cannot use abusive languages against you or threat you.
In the above mentioned situations, you get the right to lawfully fight against them but right evidence is necessary to prove your charges against them.
Now coming to your SSI disability benefits, I should tell you that these facilities are allotted by the government to give you a good life which is difficult when you are disabled. With the monetary benefits you can buy a house to live, a car or any the other required accessories for leading a good life. These cannot be seized by others.
If you have difficulties with returning the borrowed amount, then contact your collector as soon as possible to help you out. SSI disability benefits are yours but you should return the loan amount without breaking your deals. If there is a problem, then contact the loan rehabilitation agencies for help and it is on your right to charge against collection agency harassment.
