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Both state and federal laws protect consumers from unfair debt collection practices. Here are some examples of conduct that is prohibited in most states.
Debt collection by telephone:
A debt collector may contact you by phone only at convenient times - that is generally interpreted to mean between 8:00 a.m. and 9:00 p.m.
Debt collection by mail:
Your financial affairs are private. A collection agency may not communicate with you by postcard, because then anyone could read the message.
An envelope from a collection agency must contain neither language nor symbols to indicate that the communication relates to the collection of a debt. This includes illustrations of a judge or of law enforcement officials.
Can I stop a collection agency from contacting me?
If you do not want the debt collector to contact you at all, you can simply:
Notify them in writing that you refuse to pay; or Notify them in writing that you want them to stop all further communication; or Notify them of the name of your lawyer and tell them to communicate only with your lawyer.
Harassment by collection agencies can be the source of both stress and anxiety. Don’t let it get the best of you. There are things you can do to stop collection harassment. You should know that the following behavior is considered illegal.
Federal law prohibits collection agencies from:
Making threats
Using obscene or profane language
Publishing lists of "deadbeats," and
Making harassing phone calls
Violators are subject to penalties of up to $2,000 per violation (which go to the government).
If you believe a collection agency has violated your rights, contact the Federal Trade Commission or see a lawyer who specializes in consumer rights.
For this and more information on debt, bankruptcy and foreclosure visit www.gottrouble.com/legal/finance/index.html
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