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If you owe money to a debt collection agency or debt collector, you need 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 stick to the law and not harass you at residence or at perform.
The Fair Debt Collection Practices Act applies to these who collect debts owed to creditors for private, loved ones and household debts. These consist of auto loans, mortgages, charge accounts and income owed for medical bills. A debt collector is a person hired to gather cash you owe.
Within five days after a debt collector 1st contacts you, the collector must send you a discover that tells you the name of the creditor, how considerably you owe, and what action to take if you think you don't owe the cash.
If you owe the money or part of it, get in touch with the creditor to arrange for payment.
If you think you don't owe the income, make contact with the creditor in writing and send a copy to the collection agency with a letter telling them not to make contact with you. A debt collector could not:
Speak to you at unreasonable instances, for example, just before eight a.m. or after 9 p.m., unless you agree
Speak to you at perform if you inform the debt collector your employer disapproves
Contact you following you write a letter telling them to stopexcept to notify you if the collector or creditor plans to take a certain action
Get in touch with your buddies, relatives, employer or othersexcept to discover out exactly where you live and perform
Harass you by way of 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 money 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 spend off any debt that you owe. Debt collection agencies also have a responsibility to treat their customers with respect and comply with the law.
If you are being harassed by a debt collection agency, get in touch with the authorities and report them.
