Are you finding yourself lately in a sticky situation being disturbed by the third party debt collectors? If answered yes, you’re not alone as the FDCPA is here to help you fight the shady debt collectors who spend their entire day calling you and trying their best to recuperate the money from you. Most debt collectors create mayhem in your life and if you want to put an end to this, you have to either get help from a professional debt relief company like a debt consolidation or a debt management firm. On the other hand, if you want to settle the fuss with the debt collectors on your own, you have to equip yourself with enough information about the clauses of the Fair Debt Collection Practices Act (FDCPA). Read on to know about this act.
What actually is debt collection harassment?
The FDCPA is an act that was passed by the FTC or the Federal Trade Commission in 1977 and it is still efficient in protecting the rights of the debtors who are verbally abused and harassed by the debt collectors. There are few actions that are termed as “harassment” by the FDCPA and this can be either written or verbal. Calling you continuously at your home or at your workplace is harassment and you can file a complaint with the FTC in order to punish those who are disturbing them.
Some FDCPA violations that you should know
The FDCPA actually dictates how the debt collectors should act while recuperating the money from the debtor. Have a look at some things that the debt collector can’t do according to the FDCPA.
- They can’t ask you to repay the interest rates that is not allowed by the law
- They can’t use obscene or profane language in order to get back the money from you
- They can’t ask you to repay an amount that is more than what you actually owe
- They can’t call you before 8.00 a.m in the morning or 9.00 p.m at night
- They can’t threaten to use violence or any kind of harsh actions against you for non-repayment of the debt
- They can’t even illegally inform any other third-part about the debt amount that you owe
How should you behave with the debt collectors to maintain peace?
When the debt collectors harass you for non-repayment of debt, you shouldn’t use abusive language with them as you are at the receiving end. Maintain your calm and take measured steps so that they don’t get aggressive towards you. You should speak humbly with your debt collectors and tell them to give you a debt validation letter. Through this letter you will be able to make sure that the account is actually yours. If you check that the account is yours, you must take immediate steps to repay the amount.
Therefore, when you have too many debts to repay and your accounts have been turned down to collection agencies, you need not worry as the FDCPA will protect you from the shady debt collectors and their harassments. You can even get help from a professional debt relief company so that you can repay your debts on time and stay away from the debt collectors.
To know more on debt, feel free to visit : http://www.debtconsolidationcare.com/debt-relief.html
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These articles are for the benefit of our readers including those from other states besides Indiana, and might not pertain to, or reflect the laws of Indiana or the practice areas or opinions of The Garrison Law Firm.