Because the debt and unable to pay the defect is not limited. What is important is not to have a peaceful life. Falling short leads to payment of creditors or debt collectors chasing you for debt. The original creditor sells your debt to a collection agency for collecting and cleaning. Debt collectors on the other hand, is often involved in illegal means to take money from you.
Debt collectors employed in various ways to make money from you. Most of the methodology followed, repeatedly calling and sometimes without constantly breathing space. The idea is to confuse you, annoy you and your problems so you pay.
Fair Debt Collection Practices Act (FDCPA) is enforced by the Federal Trade Commission (FTC), including all personal debt, family and household debts, including medical bills, mortgages, personal loans, credit card debt and auto loans. FDCPA is a federal law that clearly defined the rules for collecting societies to follow him. Is not this rule is violated federal law.
Under the legislation, a collection agency contact you by phone or email. They may contact you after 08:00 and 21:00. Debt collectors may contact you at your workplace, unless you ask them to stop.
In an attempt to collect debt, these debt collectors more careful and finished in your intimidating. They call all the time, repeatedly, threatening, using obscene language and do what they can to make your payment. Under the FDCPA, a collection agency attempt to collect a debt, but you can not torture in the process.
A collection agency can not bother you by calling repeated use of bad language, providing misleading information about a debt or on his / identity in the telephone redemption, or threatens you with arrest or a wage attachment.
To stop the abuse, you can create a cease and desist letter to debt collectors. They can not contact you after they received the letter. If the original creditor contacts you, he can inform the legal action he has planned.
You may sue a collection agency if he FDCPA violation. You have one year from the time that the breach of a lawsuit in court. You really have an advantage. If you win this case, the debt collector you may end up paying damages, court costs and attorney bills you.
The Great Informan
