Debt Collection
The Fair Debt Collection Practices Act applies to those who collect debts owed to creditors for personal, family and
household debts, including car loans, mortgages, charge accounts and money owed for medical bills. A debt collector may not:
-contact you at unreasonable times or places, for example, before 8 a.m. or after 9 p.m., unless you agree, or at work if you tell the debt collector your employer disapproves;
- contact you after you write a letter to the collection agency
telling them to stop, except to notify you if the debt collector or
creditor intends to take some specific action;
- contact your friends, relatives, employer or others, except to
find out where you live and work or tell such people that you owe money;
- harass you by, for example, threats of harm to you or your
reputation, use of profane language or repeated telephone calls;
- make any false statement, including that you will be arrested;
and
- threaten to have money deducted from your paycheck or sue you unless the collection agency or creditor actually intends to do so, and it is legal to do so.
If you are contacted by a debt collector, you have a right to a
written notice, sent within five days after you are first
contacted, telling you:
- the amount owed;
- the name of the creditor; and
- what action to take if you believe you don’t owe the money. If
you believe you do not owe the money or don’t owe the amount
claimed, contact the creditor in writing and send a copy to the
debt collection agency with a letter telling them not to contact
you.
If you do owe the money or part of it, contact the creditor to
arrange for payment.
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