- September 30, 2019 at 9:20 pm #8447mowens1210Participant
Are you receiving numerous calls daily? Have you ever spoken to a live agent where you told them to stop calling and your still getting calls? Are they leaving you voicemails? Calling family members? Harassing you at work?
This is a list of what collection agencies can’t do.
This act prohibits debt collectors from:
1. Asking you to pay more than you owe. The collector cannot misrepresent the amount you owe.
2. Asking you to pay interest, fees, or expenses that are not allowed by law. The collector can’t add on any extra fees that your original credit or loan agreement doesn’t allow.
3. Calling you repeatedly or continuously. The FDCPA considers repeat calls or calls in excess of 7 times a day as harassment.
4. Using obscene, profane, or abusive language. Using this kind of language is considered harassment.
5. Calling before 8:00 am or after 9:00 pm . Calls during these times are considered harassment.
6. Calling at times the collector knew or should know are inconvenient. Calls at these times are considered harassment.
7. Threaten to use violence if you don’t pay the debt. Collectors can’t threaten violence against you.
8. Threaten action they can not or will not take. Collectors can’t threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit when the collector cannot or does not intend to take the action.
9. Illegally inform a third party about your alleged debt. Unless you have expressly given permission, collectors are not allowed to inform anyone about your debt except:
• your attorney
• the creditor
• the creditor’s attorney
• a credit reporting agency
• your spouse
• your parent(s)(if you are 17 or younger)
10. Repeatedly call a third party to get your location information.
The collector can only contact a third party once unless it has reason to believe the information previously provided is false.
11. Contact you at work knowing your employer doesn’t approve.
A collector is not allowed to contact you at work if you’ve let them know your employer doesn’t approve of these calls.
12. Fail to send a written debt validation notice. Within five days of the collector’s initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days.
13. Ignore your written request to verify the debt and continue to collect. A collector can’t continue to collect on a debt after you’ve made a written request to verify the debt as long as the request was made within 30 days of the collector’s written notice.
14. Continue to collect on the debt before providing verification.
15. Continue collection attempts after receiving a cease communication notice. If you make a written request for the collector to cease communication, it can only contact you one more time, via mail to let you know one of the following: that further efforts to collect the debt are terminated, that certain actions may be taken by the collector, or that the collector is definitely going to take certain actions.
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