Dealing with debt collectors can be a challenging process whether or not you owe what they are trying to collect on. Debt collectors may exercise practices that are unfair in order to get debtors to pay. While it's true they can file a lawsuit for an outstanding liability, many feel that debtors are unaware of their consumer rights. The following common questions may give a better understanding of debt collectors, their collection practices and what consumers should know when handling debt collections:
What is the purpose of the Fair Debt Collection Practices Act?
Debt collectors are required to treat debtors fairly during collection attempts and prohibit certain methods during collection.
Are certain debts covered under this act?
Debt covered under the act includes medical expenses, vehicle purchases, credit card debt (charged off accounts) and any personal or family-related household debt.
When and how are debt collectors allowed to contact you?
Debt collectors may contact you by mail, phone, in-person or fax. They should contact you at reasonable times during the day such as after 8:00 a.m. or before 9:00 p.m. unless you agree to a specific time. If your employer disapproves, they shouldn't contact you at your job.
How do I get a debt collector to stop contacting me?
They should stop after you submit a written letter to the collector telling them to stop contacting you. They shouldn't contact you again unless they are telling you they won't contact you anymore or they intend to take action against you.
Questions or concerns should be discussed with a civil trial attorney or legal expert.