When you’re in the sights of a debt collector, you can really feel as if you’re under fire. They can be disruptive, assaultive, and downright rude or even threatening. However, you do have rights and there are laws governing the behavior of debt collectors.
The Fair Debt Collection Practices Act was designed to keep collections agencies on the level and to make sure that consumers dealing with them were having their rights protected. However, as usual, there are some collectors who still believe that anything goes when it comes to shaking down a debtor.
Moreover there are certain practices that should be immediately reported to the appropriate authorities. These include threats of violence or harm, obscene language, or calling repeatedly after being told to stop. They may not falsely claim that you are being charged with a crime, or that a warrant has been issued for your arrest, they may not represent themselves as working for a credit reporting company, or misrepresent the nature of forms that have been mailed to you.
If you are dealing with one persistent collector, or a barrage of them, I urge you to call the office and set up a free consultation, so we can make your life a little more peaceful and your debts a little more reasonable.
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