subject: Utah Debt Settlement - The Fdcpa: Fair Debt Collection Practices Act [print this page] Utah foreclosure: The Fair Debt Collection Practices Act controls research for collecting agencies and collect for outstanding debts. It is determined that collects the practices and are unfair of debt collectors. Inadequate combact are exist for law and passed FDCPA. The purpose of having Fair Debt Collection Practices Act to collect agency and do not use for collecting actions and to make sure there is consistent State action to protect consumers from collection agencies. A large limitation of the FDCPA is that this law only applies to collection agencies, not the original creditor attempting to collect a debt.
Violation of the FDCPA:
A collection agency are not in contact with the person and for owing a debt during an unusual time. An unusual place or a time or place that is known to be inconvenient. A convenient time is assumed between 8:00 a.m. and 9:00 p.m. A debt collector will not consume to debt the collector and knows the represented attorney by an attorney and the attorney"s contact information is readily available. A collector may not contact a person at their place of employment if they know the employer does not allow such phone calls.
Collection agencies may not call or speak with any person other than the consumer who owes the debt or their attorney. If a consumer sends in writing a cease and desist letter to the debt collector, the collector shall not communicate any further with the consumer unless it is to advise that the collection agency is terminating all collection efforts or a remedy to the nonpayment of the debt is being chosen. A deb collector may not take any action to harass, oppress or abuse any person in connection with an attempt to collect a debt.
The following are defined as harassment: The use and/or threat of use of violence or harm to reputation and property. The use of profane language and advertisement of sales are debt for forcing payments. A collection of attorney are represented with part of State or Federal governments.
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