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If you owe funds to a debt collection agency or debt collector, you require to know what they can and can not do in order to gather monies owed to them. You have an obligation to spend what you owe, and the debt collectors have an obligation to adhere to the law and not harass you at residence or at perform.
The Fair Debt Collection Practices Act applies to those who collect debts owed to creditors for private, family and household debts. These incorporate car loans, mortgages, charge accounts and cash owed for medical bills. A debt collector is someone hired to collect income you owe.
Inside five days after a debt collector 1st contacts you, the collector should send you a notice that tells you the name of the creditor, how significantly you owe, and what action to take if you feel you don't owe the income.
If you owe the funds or portion of it, contact the creditor to arrange for payment.
If you think you do not owe the income, speak to the creditor in writing and send a copy to the collection agency with a letter telling them not to speak to you. A debt collector could not:
Make contact with you at unreasonable times, for example, before eight a.m. or right after 9 p.m., unless you agree
Make contact with you at perform if you inform the debt collector your employer disapproves
Contact you after you compose a letter telling them to stopexcept to notify you if the collector or creditor plans to take a specific action
Speak to your buddies, relatives, employer or othersexcept to uncover out exactly where you live and work
Harass you through threats to harm you, profane language or repeated telephone calls
Make any false statement, or claim that you will be arrested or
Threaten to have cash deducted from your paycheck or to sue youunless the collection agency or creditor intends to do so and it is legal.
You have a responsibility to pay off any debt that you owe. Debt collection agencies also have a responsibility to treat their buyers with respect and stick to the law.
If you are becoming harassed by a debt collection agency, contact the authorities and report them. travel merchant accounts
