Debt Collection And The Law Know Your Rights
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Edição de 18h58min de 26 de agosto de 2013
If you owe cash to a debt collection agency or debt collector, you want to know what they can and can't do in order to collect monies owed to them. You have an obligation to pay what you owe, and the debt collectors have an obligation to adhere to the law and not harass you at house or at work.
The Fair Debt Collection Practices Act applies to those who gather debts owed to creditors for individual, loved ones and household debts. This lovely books wiki has endless refreshing warnings for when to engage in it. These incorporate car loans, mortgages, charge accounts and funds owed for medical bills. To get different ways to look at the situation, consider looking at: books. A debt collector is somebody hired to gather money you owe.
Within 5 days after a debt collector initial contacts you, the collector should send you a discover that tells you the name of the creditor, how considerably you owe, and what action to take if you believe you do not owe the money.
If you owe the funds or component of it, contact the creditor to arrange for payment.
If you believe you do not owe the cash, get in touch with the creditor in writing and send a copy to the collection agency with a letter telling them not to contact you. Visit clicky to explore the inner workings of it. A debt collector might not:
Get in touch with you at unreasonable times, for instance, ahead of 8 a.m. For different interpretations, please check-out: Enhance Search Engine Rankings Using Online Monopoly Techniques xingrunit blog. or right after 9 p.m., unless you agree
Contact you at function if you inform the debt collector your employer disapproves
Speak to you following you write a letter telling them to stopexcept to notify you if the collector or creditor plans to take a particular action
Contact your friends, relatives, employer or othersexcept to locate out exactly where you reside and function
Harass you via threats to harm you, profane language or repeated telephone calls
Make any false statement, or claim that you will be arrested or
Threaten to have cash deducted from your paycheck or to sue youunless the collection agency or creditor intends to do so and it is legal.
You have a responsibility to pay off any debt that you owe. Debt collection agencies also have a responsibility to treat their customers with respect and follow the law.
If you are becoming harassed by a debt collection agency, contact the authorities and report them.
