No matter how much debt you owe; you still deserve to be respected and treated fairly. Unfortunately, not everyone is treated like they should when it comes to debt and credit collection. So, that’s why TheFair Debt Collection Practices Act has come into the picture. The Act serves as protection for those who are victims of unfair and outrageous collection practices, of several collection agencies. Covered under this Act are personal, household and family debts. It may also cover the debts you made as a result of medical care expenses and automobile purchases.
Examples of Unfair Debt Collection Practices
Some collection agencies are not following the right procedures of collecting debt, to the point of harassment. Harassment may include giving threats, using obscene language and calling at all times during the day or night. Publishing the name of the consumers can also be considered as harassment. Other than harassment, giving false statements and misleading information can also be another example of an unfair practice in debt collection. False information has been known to include misrepresenting the amount of debt and credit information and that is not allowed. Be careful because many agencies have been known to try and collect more money than the consumer may actually owe.
So, What Do We Do?
The best thing you can do to stop the collector from contacting you, is to notify the collection agency immediately. You may write a letter to the agency stating that you can handle your debt directly. Upon sending the letter through a certified mail, you have to make sure that you keep a copy of the letter for yourself. Even though you may owe a large amount of money, you are still entitled to your own privacy. So, after sending the letter, they should stop communicating with you.
You can also call the agency. First off let them know that if they start using any foul language or rude tones you will hang up. Then try to reason and talk with the agency to figure out why they feel they have to keep calling. Make sure during each call, you always get the information of the person you are talking to and try your best to record the call.
With the Fair Debt Collection Practices Act, you are given the right to fight back. You are given the chance to protect your rights – saving you from unethical practices and harassment. If you are experiencing unfair debt collection practices, then it is about time to learn how the fair debt collections practices act can protect you.
If debt collectors are forcing you to pay a debt you can no longer afford, ask for some help and educate yourself with the debt collection act. When you become over your head with debt, you need to understand you still do have rights. Do your homework and learn how this act works. Then, you will know how to use these fair debt collection policies to your advantage if a negative situation should arise. Ask for professional help, know your rights and use the law to your advantage.
Faithlynn has always enjoyed helping people with their debt problems. She also enjoys writing articles so others with the same problem can hopefully find it helpful.