![]() ![]() 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. 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. The FDCPA doesn’t cover debts you incurred to run a business.Ĭan a debt collector contact me any time or any place? 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. Here are some questions and answers about your rights under the Act. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them. Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. 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. If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you. Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Websiteįrom Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACTĭebt Collection FAQs: A Guide for Consumers Http://Statute of Limitations by State – always double check YOUR OWN STATE Government Website These links are to attorneys for those being scammed You can also post your questions here NEW URL! READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY! Check your Secretary of State for licensing requirements for ANY collection agency that contacts youĭebt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION! Handling defunct Advanta accounts.ġ) Never assume they have a VALID DEBT OR LEGAL RIGHT TO COLLECTĢ) Debt collectors MUST FOLLOW your STATE laws regarding licensing. 87 87 41 41ĭonald Martin Berman, CEO Albert Thomas Jaronczyk, Partner David Bradford Watson, Partner Cynthia A. ![]()
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