Debt Collection Practices
A lot of people get harassed by debt collectors that practice unfair debt collection practices. You can stop debt collectors that practice unfair debt collection practices. There are laws that collection agencies must follow, but unfair collection practices still exist. Knowing the laws can keep you from being harassed.
When collection agencies contact you, they must let you know who they are and why they are calling. They should not use abusive language when calling you. Collection agencies can’t threaten you with public exposure or jail time for your debt. You don’t go to jail for not paying bills, unless you commit fraud.
Collection agencies have the right to call family members, references, and employers to obtain employment and your current address. At anytime family members,employers, references can tell them to stop calling.
Tips For Disputing Debt
You have the right to write to collection agencies concerning your debt. Below are some things to look for when you receive a bill from a collectors.
� Make sure it’s your debt and not someone else
� The amount owed is right.
� Correct address and phone number.
� Make sure the bill is not outdated.
To dispute a debt with a debt collector, you must contact them by phone. Then the debt collectors must send you a written notice. The written notice must explain to you the details on how to dispute the debt. Below are a few thing the letter must tell you.
�Name of the creditor.
�How and where to make a payment.
�Amount owed.
�A statement letting you know that it is an attempt to collect a debt.
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