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Debt collectors use the threats of lawsuits, fear, wage garnishment and intimidation to get you to act on their request to pay a debt that may or may not be yours. These debt collectors companies use all types of different shenanigans to hound you from early morning until late evenings until you cannot take it any longer. What can you do to get these wolfs to stop harassing you every day.
You just want this harassment to stop and go far away. Every time you hear the telephone ring you feel a sense of dread to answer the telephone, because it's the dreaded debt collector threatening you about a debt that may or may not be yours. When you speak with them and informed them that this debt is not yours, they still keep calling anyway, because they want someone to pay.
Debt collectors are hired by merchants to go after a debt that is owed to them from consumers that borrowed money or purchased goods or services on credit. The merchants sometimes tries to collect these debts through their normal business practices, and when that fails and they do not want to waste any more time trying to collect a debt they hire debt collectors and offer them a percentage of the debt collected. Other times a merchant may feel a debt is a lost cause and they will sell that debt to a debt collector.
What are your rights as a consumer against debt collectors when they continue to harass you regarding debt. Can you tell these debt collectors to leave you alone, to stop calling you about a particular debt that you may or may not owe to a previous merchant? Let's see what your rights are against debt collectors.
Under the Fair Debt Collection Practices Act (FDCPA) there it states what protections you have as a consumer against debt collectors who are harassing you regarding a debt that you mayor may not owe to a previous merchant.
Below are questions and answers regarding your rights as a consumer;
"The fact is, you have some rights when it comes to dealing with debt collection agencies. They're spelled out in the Fair Debt Collection Practices Act (FDCPA), which protects consumers from abusive, harassing or unfair debt collection practices, and is enforced by the FTC. Here's the abbreviated version of the key provisions:
Under the FDCPA, debt collectors are not permitted to:
The Federal Trade Commission (FTC), the nation's consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.
What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn't cover debts you incurred to run a business.
Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they're told (orally or in writing) that you're not allowed to get calls there.
How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter even if you don't think you owe the debt, can't repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don't want the collector to contact you again, tell the collector in writing to stop contacting you. Here's how to do that:
Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don't have an attorney, a collector may contact other people but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.
What does the debt collector have to tell me about the debt?
Every collector must send you a written validation notice telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don't think you owe the money.
Can a debt collector keep contacting me if I don't think I owe any money?
If you send the debt collector a letter stating that you don't owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.
What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
Debt collectors also are prohibited from saying that:
Debt collectors may not:
Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not: