Debt Collection Laws Protect

Legal All debt collection agencies in United States of America are guided by debt collection laws laid down by the Fair Debt Collection Practices Act (FDCPA) and enforced by the Federal Trade .mission (FTC) and private attorneys. These laws are enforced to ensure the protection of consumers against illegal practices of debt collectors. The FTC has laid down debt collection guidelines in the FDCPA to punish the unfair debt collectors and protect you, the consumers. A debt collector should not: * Harass you to pay even if you owe * Contact at inconvenient times * Call repeatedly or leave messages on voice mail * Call after a written request from you not to call * Use abusive language * Threaten to use violence * Illegally inform third party * Repeatedly call third party for information about you All these are considered violations of the FDCPA and are prohibited by federal law. You may file a case in a state or federal court for up to $1000.00 for damages. It is important to collect as much evidence as possible to file a case. Having a record of dates and times of calls, name of the collection agency and name of the person you spoke with will help you in your case. Recording of phone calls is a piece of evidence but you should check if it is allowed in your state. On the other hand, if you have a long outstanding debt and if you plan to opt for a collection agency better choose one with good standing. If a debt collector violates the FDCPA he/she is liable to be sued by the consumer or by an FDCPA attorney engaged by the consumer. The FDCPA attorneys make sure that there is justice in debt collection from you. The FDCPA also lays down guidelines for debt collectors and debt collection attorneys on collecting a legitimate debt. About the Author: By: Bobby Smith – The employment law is incredibly .plicated and deep so it make sense if plenty of employers make errors. Hiring attorneys is certainly the best way to … By: Gary Grenier – If you intend to hire an employment lawyer in NYC, it is best to pay attention to the experience of these professionals. Though it’s not a terrible idea … By: Katy M. McGuire – Employment law is incredibly .plex because of the fact that it is .posed of various conditions that are created to safeguard the interest of the per … By: Esther Knighton – Discrimination is happening in almost every .pany around the globe and it does not only occur between workers, but also between employees and employer … By: John B. Beamon – Gender equality is undoubtedly a primary focus in our society today because a lot of women state that they’re able to do a man’s job. Gender discriminat … By: William Begley – Employment law is incredibly hard because of the fact that it is made up of various clauses that are developed to protect the interest of the staff and … By: Michael Black – Everybody knows that discrimination is happening almost everywhere in the world. It is taking place between employees and employers. National origin dis … By: John T. Tate – Discrimination can be something you can feel, but it will be very hard for you to prove that you are indeed being discriminated against, especially in t … By: Donald Geary – Although employment law appears to be one-sided towards employees, it may also protect the employers if the workers are attempting to abuse them. Well, … By: William Begley – Employment law can be very .plicated as it is formed by .bining various conditions that are meant to provide protection to both the worker and emplo … 相关的主题文章:

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