Dealing With Collection Agencies

Tips for dealing with Collection Agencies, Collection Agency

Collection Agency may not contact you at unusual or inconvenient times (which includes before 8 a.m. and after 9 p.m.) or at work if you are not permitted to accept such calls there.

Collection Agency may not call you repeatedly nor call you without identifying themselves. They may not call you collect nor cause you to be responsible for any costs of the phone call.

Collection Agency may not identify themselves as part of law enforcement or as attorneys.

Collection Agency may not harass, oppress or abuse you. They may not use or threaten to use violence or harm on you or anyone, or to anyone’s reputation. DFCPA, Secs. 1692© and (d).)

Obscene language is not permitted.

If you are contacted by a debt collector, you can instruct them not to call you again and they must abide by this request and can only notify you by mail of the status of your account, such as when it is being forwarded to an attorney for a lawsuit.

Your name cannot be published on a â€"deadbeat” list.

Collectors cannot lie about the amount you owe nor can they threaten to take action against you that they do not intend to take.

No unfair or outrageous attempts to collect the money are permitted. Such as adding interest or fees not part of the original debt, asking for a postdated check by threatening you with criminal action.

You can tell collection agencies not to contact you

If you tell a collection agency not to contact you again, they must comply, unless they are giving you notice of their plans to sue or to stop all collection attempts.

When you receive correspondence from a debt collector, it must not appear to resemble court documents or correspondence from a government agency. It may not appear as if it is from an attorney.

Debt collectors must give their names when contacting other people and state that they are confirming or correcting residence or employment information about you.

When you speak to a debt collector, get his or her name, name of the agency, and business address. If you feel you are being treated in a way that violates the law or your request for no contact is being ignored, write to the agency and complain.

To take action against a debt collector, you may contact your State Attorney General, and Federal Trade Commission.

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