Collecting Debts Has Become Trickier Due To The Fdcpa
Many debtors believe that bill collectors can use any means necessary to collect money
. This is far from the case because debtors have specific rights that can stop debt collection harassment dead in its tracks. These laws can help debtors avoid many of the brazen tactics that collectors often still use to collect money from debtors. This is true because of the Fair Debt Collection Practices Act.
The FDCPA outlines the procedures that bill collectors can use to collect a legitimate debt. The act includes guidelines that govern how collectors may communicate with debtors about legitimate debts. The act also includes guidelines that require collection agencies to stop communicating with a debtor if the person so chooses. As a result, debtors can use the FDCPA to force bill collectors to stop their unscrupulous ways.
The FDCPA was passed into law in 1978 by Congress. This was after many consumers flooded the Federal Communications Commission with complaints. They complained about many of the tactics that were being used by bill collectors to annoy and harass debtors. Most of these complaints were valid because some of the tactics that bill collectors used in the past were brazen and mean.
For example, some collectors have told debtors that they would be arrested if they didn't come up with the money to pay off a debt. Others have tried to harass people by calling twelve or fourteen times a day. If that wasn't bad enough, many bill collectors have tried to bully debtors into paying. They would actually call them obscene names and use abusive language over the phone.
Consumers can stop these debt collection harassment practices by understanding how the FDCPA works. As a result, consumers can defend themselves against unfair or illegal debt collection harassment practices in many ways. They can start by reminding bill collectors that you are recording the date and time that they call. Doing this can stop excessive phone calls about your debts because most collectors understand that they could be sued under the provisions of the FDCPA if they call excessively.
As a person who is receiving unwanted calls, you can demand that they stop calling your work location or your home. The FDCPA allows debtors to ask bill collectors to not call your work location or your home about a debt. As a result, most collection agencies will cease and desist. That way you can get a little more peace and quiet.
Recording any telephone conversations you may have with a bill collector about a debt will give you the evidence you need to confront an aggressive collector. This is a great tool because it keeps most bill collectors from trying to use abusive tactics to collect debts. In fact, many debt collectors stop dead in their tracks if you remind them that you're recording the conversations you're having. They realize they could be sued for up to $1,000 in civil damages.
As you can see, there are many legitimate ways to stop debt collection harassment. All it takes is knowledge about your legal rights under the FDCPA and a strong desire to defend yourself against bill collectors who bully debtors into paying their debts. As a result, try to learn about the FDCPA. Being knowledgeable could save you a lot of time and hassle.
by: Nick Messe
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