What you should do about debt colllectors
If you have fallen behind in your payments in the past, a debt collector
might have contacted you.
The Fair Debt Collection Practices Act requires that debt collectors treat
you fairly and it prohibits certain methods of debt collection. Of course,
you still owe any legitimate debt.
A Debt Collector can be any person who collects debts owed to others including
attorneys who do this regularly.
They may contact you in person, by mail, telephone, telegram or fax. However,
they may not contact you at inconvenient times or places unless you agree
including at work if the collector knows your employer disapproves.
You can stop a debt collector from contacting you by writing a letter telling
them to stop. Once they've received it, they may not contact you further
except to tell if you if they are taking a specific action against you.
If you have someone else representing you, the collector must contact them.
They may also contact others only to locate you but they are prohibited
from contacting them more than once. They absolutely are prohibited from
telling anyone that you owe money.
When a debt collector contacts you they must, within five days send you
a written notice listing how much you owe and to whom as well as what action
to take if you believe this is in error.
They may not contact you again if you write a letter telling them you do
not owe this money unless they can send you proof with a copy of the bill.
Debt collectors may not use threats of violence or harm, obscene language,
publish your information, make false statements, falsely imply they work
for a credit bureau or that they are representatives of the government.
If you owe more than one debt they must apply any payment you make to the
debt you choose.
You do have the right to sue a collector within one year from the date
of the law violation. If you win you may recover money for the damages plus
$1000.
If you are ready to take action and repair your credit find out about a
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