Allow Debt Collectors to Call You
Allow Debt Collectors to Call You
Harassing phone calls from debt collectors often sends chills down your spine. Instead of refraining from taking the calls or banging down the phone, take the calls and engage in conversations with debt collectors. Allow them to call you repeatedly, shout over the phone or harass you in any other form.
Calling repeatedly is one of the prime violations of the Fair Debt Collection Practices Act (FDCPA). Violating this federal law attracts fine of $1000. You can sue $1000 debt collectors for every violation. The FDCPA was established by the Federal Trade Commission (FTC) in 1977 to ensure fair debt collection practices.
The FDCPA regulates debt collection practices to ensure fair collection. Third party debt collectors resort to nagging you by calling repeatedly to get the payment from you. This constitutes one of the violations under the FDCPA. Debt collectors can call you and request you for a payment. But calling before eight in the morning and after nine in the evening is a violation of the FDCPA.
The FTC received 88,190 FDCPA complaints about third party debt collectors in 2009. 46.5% of the FDCPA complaints the FTC received in 2009 or 41,028 complaints were about collectors harassing the consumers by calling repeatedly or continuously. This was the most frequent complaint that consumers filed in both 2009 and 2008. The FDCPA lays down strict guidelines on the number of times a debt collector can call and the frequency of his calls. (FDCPA 15 USC 1692d] 806(5).
Every time a debt collector violates one or all the guidelines of the FDCPA, he becomes liable to pay you $1000 per violation. The penalty for the Consumer Reporting Agencies (CRA) if they report wrongly, is a fine levied by the FTC. The $1000 for FDCPA violations is intended to encourage consumers to fight for their rights. You should also ask for court costs and attorney fees. You may get more in damages if the debt collector was particularly harassing.
While a debt collector calls you repeatedly or calls you at inconvenient times would mean that he is relying on your lack of knowledge of the FDCPA. Keep as much evidence about debt collector calls ready. Dates and times of the phone calls, name of the collection agency, name of the person your spoke with and details about the violation make good evidence. Free Attractions In Las Vegas by:Andrea Ivey Can you really make money online? Weight Loss By Hypnosis - The Best Place To Start Visiting A Beauty Spa For Facials , Things To Watch Out For Christmas Decorations With Help Of Kids Comparing Las Vegas Chopper Trips To The Grand Canyon Toys Are Really Us Benefits Of A Wedding Coordinator In Wedding Coordination The Smartest Way To Do Your Accounting Quickbooks Outsourcing Motivation For Paying Off Your Debt Keys To Learn Options Trading Global Solar Photovoltaic Market Outlook To 2015 - Asia Pacific The Next Epicentre In Pv Industry What Are Some Options When Looking Of Ways To Get Cheap Insurance For Young Drivers?