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Did you know that debt collectors can’t call you after 9 p.m. unless you agree to it? Find more answers to your debt collection questions by searching, or by browsing this complete list. Select topics on the side to narrow your results.
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You have the right to tell the debt collector, in writing, to cease communications regardless of whether you dispute the debt or not. You should make a copy of your letter. Send the original by certified mail and pay for ...
A debt collector may contact other people only to find out your contact information (i.e., address, home phone number, where you work, etc.). They are usually prohibited from contacting third parties (such as your family members or employer) more than ...
No. Debt collectors may not repeatedly use the phone to annoy or harass someone. You should not receive phone calls from debt collectors at inconvenient times, such as before 8:00 am or after 9:00 pm unless you agree to it.
As defined by the Fair Debt Collection Practices Act, debt collectors may not harass, oppress, or abuse you or any third parties they contact. Some examples of harassment are:Using threats of violence or harmPublishing a list of names of people ...
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using certain abusive, unfair or deceptive practices to collect from you. The FDCPA covers mortgages, credit cards, medical debts, and other debts incurred primarily for personal, family or household ...
Within five days of the initial contact with you, every debt collector generally must send you a written notice indicating the amount the creditor asserts you owe, the name of the creditor you owe, and how to seek verification if ...
Debt collectors may not lie when they are trying to collect a debt. For example, they may not:Falsely claim that they are attorneys or government representativesFalsely claim that you have committed a crimeFalsely represent that they operate or work for ...
To preserve your rights if you are sued to collect a debt, respond to the lawsuit personally or through your attorney by the date specified in the court papers. If you ignore a court action, it is very likely that ...
Yes. If you owe money on more than one account with a debt collector, the debt collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a ...
If you default on a federal student loan, a third-party collection agency may attempt to locate you and collect payments from you. Generally speaking, you have three options when dealing with the collector on a federal student loan: 1. Rehabilitation. Rehabilitation means ...
