The FDCPA Slaps Restrictions On Bill Collectors

The FDCPA (Fair Debt Collections Practices Act) limits the ways that bill collectors can contact people. It is illegal to call before 8 am or after 9 pm. It is also illegal to call places of employment after being told that the employer doesn’t allow it.

Learn more about the Fair Debt Collection Practices Act – FDCPA – and how it protects you from debt harassment. Visit FairDebtHelpers.com for a free evaluation of your case by an experienced fair debt attorney.

According to the FDCPA upon receiving notification of the right to dispute a debt, the consumer may request verification of the debt within 30 days. The bill collector’s response must contain the amount owed and the creditor’s name and address.

A consumer who becomes the target of a bill collector may send a written request to cease communication. This request is known as a “drop dead letter.” Upon receiving this request, a bill collector is required to stop communicating with the consumer, except through litigation.

Sometimes, attorneys get involved in debt collection issues. If a consumer hires a fair debt lawyer or bankruptcy lawyer to represent him, the bill collector must communicate through the lawyer, and not with the consumer directly. If the case does go to court, it must be either where the consumer signed the contract, or where he or she lives.

If you are think you may be the target of debt collector harassment, you should visit the fair debt website. Find out more information, or ask for a free case review by an experienced fair debt attorney.

To get rid of debt was my top priority

Everyday living in debt really is no fun at all.  I can’t even start to tell you just how terrifying life was when I was trapped really deep in credit card debt.  To begin with I didn’t even have the funds to buy food for my loved ones that was a negative feeling.  Getting out of debt was something I never thought was going to be possible for my family to do. But then one day I realized that I couldn’t keep coping like this and needed to find a solution for this money problem I had. 

To being with I went in search of a bankruptcy lawyer hoping to just discharge all of my debt and be done with it for good.  After speaking with the attorney I came to realization that this would not be the best option for me to get rid of debt and would have an extremely negative effect on my FICO score and personal well being.  After figuring out bankruptcy wasn’t for me then I tried to check into a consumer credit counseling program, which just cost was to much cash for me to really budget.

At last I heard about credit card debt settlement and this turned out to be the debt relief procedure that was going to save me some real money and get me rid of debt extremely fast. My monthly payments were literally slashed in half and I was scheduled to be debt free in merely two years.  This plan offered me the freedom to yet again put dinner on the table and take my kids out to the carnival.  It really felt like a giant weight lifted off of my shoulders and I am so thankful I did something about it.