subject: Michigan Stop Collection Lawyer - Defending You [print this page] Author: Eldon Barker
When you end up the victim of deceptive practices from a collection agency, you may need to hire the services of an experienced Michigan Stop Collection Lawyer. Since many patrons are not aware about the laws referring to debt collection practices, they are regularly stressed and taken advantage of by unscrupulous debt collectors. It does not have to be this way, when you know the laws that debt collectors must follow, you can feel more in control of the debt you have.
Some of the laws concerning The Fair Debt Collection Practices Act, as they apply to a creditor when they're communicating with an individual other than THE DEBTOR, ( like your family or neighbors ), for purposes to discover where the debtor is located are :
1. The creditor must say who they may be, and counsel that they try to correct or confirm that the person lives there. If requested, they must also tell who their employer is.
2. They cannot disclose to the 3rd party the person owes a debt.
three. They can't talk to the person frequently, unless they think the info received earlier was incomplete, and that the person now has additional info regarding the debtor.
four. They can't try to communicate through post card.
five. The can't use symbols or language that would show that they are in the business of debt collection, or that the communication has to do with a debt collection.
6. When the debt collector knows that the customer is represented by a solicitor concerning the debt, and knows the easy way to contact the solicitor, they cannot talk to anyone but the lawyer, unless the creditor gets no reply from the solicitor.
A debt collector can't communicate with a consumer in relation to the collection of a debt without using the magic words [*CO]'this a communication from a debt collector' and'this is an attempt to collect a debt'.
A debt collector must also not try to communicate with a debtor when it isn't convenient for the patron. They also can't call the patrons work place if they are told or aware that the consumer can't take calls at work.
If a consumer advises the debt collector in writing that they won't pay a debt, or that they need the collector to stop communication, the debt collector must do so unless they are either telling the customer that they have stopped collection efforts, or that they are notifying the consumer that they are taking extra actions like filing a legal action. If they don't follow these laws, then you will need to hire a Michigan Stop Collection Lawyer. They have the knowledge and experience required to make the nuisance and abuse stop, and make the people that break the laws pay for what they have done.
There is no reason to allow yourself to be threatened and harassed by collection agencies, when there are laws in place to stop this kind of behavior. Consumers can frequently feel overwhelmed when they are called nighttime and daytime by creditors, and may not know what they can do. It if often like this, a Michigan Stop Collection Lawyer can fight for your rights, and stop the incessant harassment.About the Author:
Van Lelouche is concerned when it comers to saving things up.
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