Debt Collector Don'ts

: Chris Lee Law Firm

  Filed under: Debt

debt collectorWith the recent evolution of debt collector practices, many consumers are afraid of what might come next. Debt collection now goes far beyond calls to your house after dinner and have moved into text messages,Facebook notifications and even calls to your employer. With your personal reputation on the line, knowing exactly what rules debt collectors must follow is to your advantage when dealing with debt relief strategies.

Off Limits

According to the Fair Debt Collection Practices Act, debtor collectors are not allowed to do the following:

  • Contact you before 8:00am or after 9:00pm
  • Make repeated or harassing calls to you or a third party
  • Deny your request for debt validation or proof of your debt
  • Inform third parties about why they are looking for, contacting you
  • Use abusive, threatening or obscene language
  • Ask for more that what is owed, including additional interest or fees
  • Attempt to collect on a debt that has not been validated by the creditor

More information about debt collection violations and how to report them can be found at the Federal Trade Commission’s website. An educated consumer is a protected consumer.

 


Are you a candidate for bankruptcy?
Would you like to find out if bankruptcy is the right option for you? Try our Free Online Bankruptcy Evaluation. 4 easy steps to see if bankruptcy could be the right option for you!
  • Step 1
  • Step 2
  • Step 3
  • Step 4
Please Select Each Box That Applies To You
Creditor Harassment
Loss of Income
Foreclosure
Disability or Illness
Current Expenses
Auto Loans
Credit Cards
Medical Bills
Payday Loans
Do you have any additional information you would like to share?
Contact Information