The FDCPA Slaps Restrictions On Bill Collectors
January 12, 2010 by John38
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.
i appreciate it.
lol Dobromir
Bill collectors – What bill collectors
I went through a bankruptcy this past year and am in the process of rebuilding my credit.
I did not have to pay anything over the 1400 fee.
How much debt?
And what's your income?
If you're talking about $25,000 debt and $60,000 income, then bankruptcy is NOT a plan.
If you want to have fun with a bill collector, its easy! Just sit on the toilet while taking a shit and hold the phone to your asshole so the collector can hear you shit and fart, then let him know that he just gave you a blumpkin! They go wild! You have nothing to fear from the bill collector that sits in a cubical making $12.00hr with worst credit that you. Just ask any of these monkeys for their work email address! too low rank to have one! lol
I'm so sorry you are going through this. Obviously he is keeping something from you. I don't think you should call and talk to this person because that would be childish. You need to sit down and have a calm serious conversation with him and ask him point blank whats going on. If he doesn't even admit to chatting with this other woman then i think as pain full as it is you need to give him his space and give him time to think about what he is doing. If you mean anything to him he will be honest and want to work on the issues.
Bankruptcy Attorney : Re-Establish Good Credit After Bankruptcy STEP FIVE