If you feel powerless due to the fact that debt collectors are contacting you for payment, you have more power than you realize. You just need to be aware of your rights and how to use those rights. The Fair Debt Collection Practices Act is a federal law that governs debt collection practices. The debt collection law gives consumers much needed protections against predatory practices, such as calling you late at night, using harassing language, and pursuing you for a debt that you simply don’t owe. Exercising these rights can help you gain control of your interactions with debt collectors.
You should contact a legal rights advocate to explain your rights to you in full detail. In the meantime, the following information will help. Many consumers don’t know that they can limit when and how debt collectors contact you. The bottom line is that they’re not allowed to call at any inconvenient time or place and can’t tell third parties about your debt. This means that debt collectors can’t contact you before 8 am in the morning, or after 9 pm at night. They can’t contact you at work as long as you ask them not to. If you are represented by an attorney, debt collectors must communicate through your attorney.
In addition, debt collectors are not allowed to talk about your debt with third parties in any manner. That means they can’t communicate at all with your employer, neighbors, or family about your debt. A great deal of consumers are not aware of this handy fact, but debt collectors must stop contact entirely if you request it. That being stated, it’s not enough to communicate over the phone how you want the debt collector to converse with you. It needs to be in writing in order to be enforceable. We must note that your debt is not going to disappear into thin air just because you have formally asked the collection agency to stop contacting you.
In fact, the debt collector can still seek payment. They typically do this through a lawsuit. That can lead to wage garnishment if you lose the case in court. In addition, debt collectors must be truthful when communicating with you in any form. That means they can’t use any false, deceptive, or misleading representation in order to collect the debt. Debt collectors are required to provide you with the amount of the debt, whether or not it’s past the statue of limitations, and the legal repercussions that you face for not paying the debt.
If you feel that you are being treated unfairly by a creditor or collection agency, please contact us immediately. Legal Rights Advocates, Inc. is a consumer advocate law firm that focuses on consumer rights protection services across the Unites States. We have well over twenty-five (25) years of combined experience helping consumers that are experiencing Debt Collector Harassment, Social Security Disability issues, and a whole lot more. LRA is truly your consumer rights advocate. We take great pride in the fact that our job is to protect you from deceptive and or abusive debt collection practices.
LRA is an accredited member of the Better Business Bureau, and we have well over 500 Five Star Rating Reviews online from across the United States. Our goal is to assist you each and every step of the way regarding your rights for consumer protection. Please call us today for more information at 855-254-7841 or click here to visit our website. We look forward to working with you.
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