10 Ways Debt Collectors Can Break The Law

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A few years ago the Fair Debt Collection Practices Act was passed into law in the US in order to stop unfair or abusive debt collection practices. The FDCPA is a statute designed solely to protect consumers who otherwise may be at the mercy of unscrupulous debt collectors. What this law does, is make certain common tactics often used by collection agencies, illegal.

Here are some of the main tactics that are now illegal under the Fair Debt Collection Practices Act, more commonly referred to as the FDCPA.

1. If a debt collector contacts you to confirm your location or other personal information and does not identify himself, that is breaking the law.

2. If a debt collector contacts you more than once after you have requested not to be contacted further, that is breaking the law.

3. If a debt collector calls you at work after you have said not to, that is breaking the law.

4. If a debt collector continues to contact you after you have told them in writing that you are not going to pay the debt, that is breaking the law.

5. If a debt collector contacts you after you have made him or her aware that you are represented by an attorney, that is breaking the law.

6. If a debt collector implies he or she is an attorney when they are not, that is breaking the law.

7. If a debt collector tries to collect more than is owed, that is breaking the law.

8. If a debt collector threatens to take any action they do not really intend to take, that is breaking the law.

9. If a debt collector threatens you with imprisonment, garnishment of your bank account, or foreclosure of your property, that is breaking the law.

10. If a debt collector contacts you before 8am or after 9pm, that is breaking the law.

Virtually all of us are debtors to some extent or another, and this law was passed to stop harassment and threats being made by debt collectors to take advantage of people who are disputing that they owe a debt, or are simply unable to pay because of their financial circumstances.

Know your rights before discussing your situation with any debt collector. Be sure to keep a careful record of all contacts you have with anyone attempting to collect a debt from you. And if you are being harassed, discuss your case with an attorney who specializes in debt relief law. This is a serious issue and should be reported if you think that you've experienced it.


About the Author:
Learn more about the Fair Debt Collection Practices Act - FDCPA - and how it protects you from debt harassment. Visit FairDebtHelpers.com for a free evaluation of your case by an experienced fair debt attorney.



Article Originally Published On: http://www.articlesnatch.com


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