Our society has developed immunity to debt collection methods
. Debt collectors in the US stoop to realize the payments. Most often debt collectors end up in harassing while employing aggressive methods to squeeze money from you.
Debt collectors or collection agencies that they work for, employ methods that are considered illegal and can be sued under the Fair Debt Collection Practices Act (FDCPA). The FDCPA is a federal statute enforced by the Federal Trade Commission (FTC) to ensure fair practices in debt collection.
In spite of such a law in practice the debt collectors do engage in unfair means and squeeze money from consumers who are otherwise not informed of their rights under the FDCPA.
Debt collectors should not:
Call you at inconvenient times; call you between 8.00am and 9.00pm
Use improper/abusive language during the call
Give misleading information such as wrong name, false identity as an attorney
Disclose your debt to third parties except the one acceptable to you or your attorney
Demand more money than the actual debt
Call you after you have sent a written request
Intimidate you with dire consequences
Threaten you with legal action that is not meant
Demand even if you don't owe
Speak lies about the debt
Sue you in a state you don't reside in
If you do owe, you need not be harassed by either the creditors or the debt collectors engaged by them to collect the debt. Knowing your rights under the FDCPA can take you a long way in assuring a fair action. Violating(debt collector harassment) the FDCPA is punishable under the law.
Violating the FDCPA laws assuming that you are not aware of the rights makes debt collectors take you for a ride. While debt collectors resort to cheap tricks to get the money, they miss on the fact that once you contact an FDCPA attorney they are in real trouble.
Krohn & Moss Ltd. has qualified FDCPA attorneys who have helped thousands of harassed consumers by representing them, assessing legal action, helping in suing the debt collectors and bringing them to book.