Utilize FDCPA To Battle Collection Agents

In the bill collector’s defense, if you owe, you need to pay, and if you don’t pay, they have a right to call and ask you to pay. The problem, however, is that bill collectors too often cross the line and resort to unfair and illegal practices in an attempt to get you to pay. The Fair Debt Collection Practices Act, or FDCPA, is there to protect you in situations such as this.

Protect yourself from harassment and bill collectors. Learn more about creditor harassment – and how the FDCPA protects you from debt harassment. Visit FairDebtHelpers.com for expert advice on debt collection harassment.

The FDCPA was passed by Congress to provide rules and guidelines to protect consumers from being harassed unfairly by debt collectors and to give consumers a means of contesting and verifying the accuracy of information about the status of their debts. A variety of restrictions exist under the FDCPA to prevent debt collection harassment.

Under the FDCPA, collection agents may not discuss any of the details of your debt to third parties. Co-signers on loans may, however, may be contacted.

The FDCPA restricts where and when debt collectors may call you. Collectors may not call you at inconvenient places such as your place of employment. Any requests to cease harassing phone calls, such as those made to your workplace, should be sent via certified mail with return receipt requested.

Any threats of repossession, wage garnishment or unauthorized bank account withdraws are merely bluffs and are illegal. In extreme cases you may be threatened with arrest; be aware that this is illegal.

A creditor may not make any false claims in order to obtain information, and you are not required to pay any additional fees that were not part of your original contract.

What is the best course of action if you have been victimized by unscrupulous debt collectors? First, be sure you document all calls you receive from the debt collector, and record whatever you can. Make sure you keep copies of any written statements or correspondence between yourself and the collections company. Then, contact a fair debt attorney who has the expertise to help you settle the case.

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