The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect your debts. The Fair Debt Collection Practices Act (FDCPA) is the primary federal law governing debt collection practices. The FDCPA covers the collection of debts that are primarily for personal, family, or household purposes. It doesn't cover business debts, and it usually doesn't cover collection by the creditor or original company to which you owed money.
Debt collectors are strictly prohibited from using harassing, oppressive, or abusive practices to collect a debt. This includes the use of threats of violence, the use of obscene language, or repeated calls to annoy you. These protections ensure that collection practices remain professional and respectful. They can't publish your name as a person who refuses to pay debts (except to credit reporting agencies) or use any other method designed to embarrass you.
The FDCPA explicitly prohibits these actions to ensure that the collection process remains professional and does not constitute a threat. The FDCPA limits the ways that collectors can contact debtors. They can only call between 8 a.m. and 9 p.m.They can't call you repeatedly and they can't threaten you with going to jail or making your debts public.
Collectors cannot call your employer to tell you about your debt, unless it represents non-payment of child support. If you tell collectors not to call you again, they are not allowed to do so, but your collection efforts may continue through other means. Money Group, LLC T-Mobile District 250 Convention Blvd San Juan, PR 00907 Metro Office Park 7th Street 1, Suite 204 Guaynabo, PR 00968. Even if the identity of the debt collector is verified, you must request proof of your debt and take as much time as you need to verify if you really owe money and if the amount you are asking for is correct. If your rights have been violated during the debt collection process, you should contact a New York credit lawyer to discuss your legal options. Federal laws protect you from dishonest debt collection agencies that engage in illegal activities or harass consumers.
In those cases, agencies often buy debt cheaply, sometimes at cents on every dollar, so that everything they recover is converted into profit. In addition to federal protections, many states have their own debt collection laws that provide additional guarantees. That said, the law does allow debt collectors to call family members or friends to get their phone number, address, or other location information. Be prepared to share everything you remember about the incident, such as what the debt collector said, if you paid any money, as well as any identifying information about the person who contacted you.
If a creditor or debt collector has violated your rights, contact Mizrahi Kroub LLP to speak with a New York credit lawyer to find out if you have any cases. In other words, a debt collector can't charge convenience fees and argue that it's OK simply because there aren't any a law that prohibits it. With a legitimate debt collector, there may also be room to negotiate the debt and come to an agreement that works for both parties. In Texas, if your residence has been declared family property, it cannot be used to pay off a debt, except for debts incurred to purchase the home (that is, under the federal Fair Debt Collection Practices Act (FDCPA), a debt collector is defined as anyone who regularly collects debts owed to other people.
Under federal law, a debt collector can't use a false name (or say they work for a fake company) nor can they lie about how much they owe. The creditor will sell your debt to a collection agency for less than face value, and the collection agency will attempt to collect all of the debt from you.