Frequently Asked Questions
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Q1. When can a debt collector call you?
A debt collector by law is not allowed to call you between 9:00 pm to 8.00 am. They can call you during the day between 8:00 am-9:00 pm.
Q.2. Is it ok for a debt collector to call me at work?
They cannot contact or reach you at work or any other place inconvenient to you provided that they are made aware of it earlier by you. You need to inform the debt collector if your employer disagrees with any form of communication between you and a debt collecting agency while at work.
Q.3. Are debt collectors allowed to talk with others about my case?
A debt collector by federal law cannot discuss your debt with anyone else. He or she may contact your friends, family or work place to get information on how to reach you; like your address or recent contact number.
With permission a debt collector may contact you, your spouse, your parents (in case of a minor) and/or an attorney. A debt collector may contact your attorney instead if they are aware that you are being represented by one. In case your attorney does not respond to the debt collecting agency within a defined time limit then the agency may contact you.
Q.4. Can I stop a debt collecting agency from contacting me?
Yes, you can do so by writing a letter informing the debt collector that you do not wish to be contacted. Ensure to keep a copy of any correspondence you do with the debt collector. After the receipt of the letter, they may contact you either to confirm that they will not be communicating with you any further or to inform you of any action that might be taken by the creditor with regards to your debt.
Additionally, a debt collector must also stop contacting you if they have been informed that their calls are causing harassment, or causing inconvenience or if you dispute the debt. Beware, that ignoring a debt collector will not automatically deliquesce your debt. In fact the debt collecting agency may be eligible to take legal action against you if permitted by the creditor.
Q.5. Are debt collectors allowed to call me about other’s debt?
A debt collector can call you but they cannot discuss any debt with you. They may call you to get contact information of a debtor and/or if they have a reason to believe that the debtor is living with you. But they can call you only once.
Q.6. What all information should I be receiving from a debt collecting agency?
Once a debt collector contacts you over the phone, he/she is supposed to send you a written notice within five days with the following information:
- Total amount of the debt owed
- Details of the creditor to whom you owe the debt
- A statement which assumes that the debt is valid unless disputed by you within 30 days of receiving this letter.
- The debt collection agency should also agree to send you proof that you owe the debt if you dispute it within 30 days of the receipt of the letter.
- They will send you the name and address of the original creditor, if different than the current creditor on your request within 30 days.
Q.7. What are illegal debt collection practices?
The Fair Debt Collection Practices Act protects the consumers from becoming victims of abusive and harassing practices used by debt collectors. Some actions that are considered unlawful are
- Harassment by calling repeatedly even after being told not to
- Threatening behavior towards you or your reputation or your property
- False statements or information about you, the debt amount or about their company
- Abusive language use
- To publish a list of people who owe a debt
- Calling your friends, family of the debtor for reasons other than getting information like address and contact details.
Q.8. How should I stop them from contacting me over the phone?
Your first step is to tell them to stop calling you when they call. Follow it up with a written letter directing them to do the same- stop calling! Despite your written correspondence, you still receive calls from them, you have a right to take legal action. Just reach us on 1-855-254 7841 and we will ensure that you are no longer harassed by debt collectors.
Q.9. What will I pay if I use your legal services?
If you were to avail the services of our legal team then you pay nothing till, we get a final verdict or reach some settlement with the debt collecting agency. We charge you depending on the nitty gritty of your case and the final result. Call us on 1-855-254-7841 and get freedom from those harassing phone calls.
Q.10. The debt collecting agency is calling the wrong number?
Often times we find ourselves in a crossfire, this is one such case in point. You receive a call from a debt collector about a debt that is not yours. They have called you in error. You tell them that this is a wrong number, yet they continue to bother you by calling. By law, the debt collection agency cannot call you repeatedly after being told that the debt collector has a wrong number. If it continues this is unlawful and strict legal action can be taken by you. Talk to us and we will get you out of it. We are just a call away.
Q.11. Despite being told not to call, I get calls from debt collector, what can I do?
This is an illegal act or practice used by debt collectors. If you are facing a similar situation, please make an appointment with us at the earliest and we will get you sorted. Connect with us on 1-855-254-7841