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.