Verkauf Von Forderungen Privat: Fair Debt Collection is an important topic which will have added a special dedicated section that focuses on fair debt collection practices exclusively. In this rough financial times it is very common for people to fall behind on their bills, and find themselves in debt collection from Collection Agencies. It is important to educate yourself and know your rights for Fair Debt Collection.
The Fair Debt Collection Practices Act, aka "FDCPA", was passed by Congress in 1978 to respond to abusive conduct by collection agencies and debt collectors.
Types of debts:
This type will covers personal, household, and family debts, including money you owe on a personal credit card account, an auto loan, a medical or hospital bill, and a home mortgage. Fair Debt Collection Practices Act does not cover debts you incurred to run a business.
Will a Debt Collector contact any time or any place?
No. A debt collector or Collection Agency may not contact you at inconvenient times or places, for example: Before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if you inform them that you are not allowed to receive phone calls at your place of employment.
What is considered to unfair and unethical practices of a Debt Collector?
Debt collectors will not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
* Use threats of violence or harm of any kind;
* Publish a list of names of people who refuse to pay their debts beside reporting it to credit reporting agency
* Use obscene or profane language
* Repeatedly annoy consumer on the phone.
By using the false statements, the Debt collectors may not lie when they are trying to collect a debt. Examples of unfair behavior.
* Falsely claim that they are attorneys or government employee
* Falsely claim that you have committed some sort of crime
* Falsely imply that they work for a credit reporting company
* Misrepresent the amount of debt
* Indicate that papers they send you are legal forms if they're not.
* Indicate that papers they send to you aren't legal forms if they are.
Debt collectors also are prohibited from saying that:
* You will be arrested if you don't pay the debt
* They will seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so, or
* Legal action will be taken against you, if doing so would be illegal or if they don't intend to take the action.
In addition, Debt collectors may not
* Give any false credit information about you to anyone, including a credit reporting company
* Mail you anything that looks like an official document from a court or government agency if it isn't, or
* Use any false company name.
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