For Whom the Debt Collector Calls

by admin on July 18, 2014

debtYou’ve gotten behind on your bills and now the calls have started. They can be annoying and sometimes even frightening. You feel threatened in some instances or even violated due to the incursion into your home by these persistent and rude people. What can you do? Well first, you should know that there are rules for what debt collectors can do and/or say. These rules are part of the Fair Debt Collection Practices Act. Your best defense to these calls is a good offense. That is to keep track of the calls and know what is acceptable and what is not. For example, debt collectors are not allowed to call before 8:00 am or after 9:00 pm. They are not allowed to be abusive, offensive, scream or use profane language (it is also preferred if you do none of these things yourself). The debt collector cannot threaten violences, physical harm or to ruin your reputation. The debt collection company is required to send a debt validation letter, so always ask for one. If you tell the debt collector to stop calling your workplace, they must comply. There are many other don’ts for debt collectors. I tell my clients to keep a notebook with them. Log all information regarding the call into the notebook, including but not limited to, the name of the company, name of the agent, time of call, phone number where call originated from, what was said and how it was said, and any other information that they feel is pertinent. Also, if the debt collector left a voice mail on a machine save it. Record where that machine is located and who has access to the machine. Finally take pictures of caller ID and if the calls come on your cell phone get your phone records. If you feel that your rights have been violated by a debt collector, documentation is your best offense. Finally, never admit you owe the debt. Everytime you admit you owe the debt the statue of limitations clock starts over. Call us today or set up an appointment through our website (located on the contact page), if you feel that debt collectors have violated the FDCPA.

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