Ask any consumer about what it is they dread the most, and many will tell you that it is a debt collector calling to ask about an unpaid credit card debt, past-due student loan or medical debt. This may be what you are currently facing with Van Ru Credit Corporation, and we can all agree that pretending your debt problems don’t exist by ignoring the calls you receive from Van Ru Credit Corporation will not make your debts automatically go away.
Counselors, consumer right attorneys, and anyone with good knowledge about the debt collection process will all agree that ignoring debt collectors’ letters and phone calls is never a good idea. You must face it head-on, otherwise, things can only get worse from there.
Regarding the debt collection process, the best advice you can get around is to avoid your debts from going into default at all costs. If you see trouble coming with your debt, contact your original creditor to try and work out a reasonable payment arrangement before the debt is sold to a third-party debt collector. However, if the debt has already gone into collections, then the steps outlined in the following paragraphs will be invaluably helpful to you.
In dealing with debt collection, you must remember that every third-party debt collector has certain rules which they must play by. A violation of these rules amounts to debt collection harassment and could attract a fine of up to $1000 or more.
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Is Van Ru Credit Corporation harassing me?
To know if Van Ru Credit Corporation is harassing you over your unpaid debts, we must first understand what is considered debt collection harassment according to the law.
Debt collection harassment often takes many forms, however, it usually refers to when a debt collector oversteps the boundaries prescribed for them by law regarding what is acceptable and ethical and begins intentionally annoying, harassing, threatening, scaring, abusing or intimidating you into resolving a debt that you owe. Common instances of this form of harassment include repetitive calls that are usually placed to you at odd hours of the day, threats of violence, obscene language, choosing to remain anonymous over a call, revealing details about your debt to unauthorized persons and more.
These activities can end up being repeatedly perpetrated against an unsuspecting consumer; this is an extremely uncomfortable situation to be in.
The good news is that there are laws in place to prevent harassment from third-party debt collectors, these laws are called the TCPA and the FDCPA. Unfortunately, many debt collectors often ignore or even knowingly flout these rules. This is the major reason why it is important to know your rights and have a good idea of the debt collection laws in the specific area that you live. This will help you immediately detect when a debt collector has stepped out of line and give you the tools you need to get justice for yourself.
The laws that protect your rights
The FDCPA (Fair Debt Collection Practices Act) and the TCPA (Telephone Consumers Protection Act) was enacted for this reason- to give you a say in the debt collection process and a way to get justice for the violation of your consumer rights.
The FDCPA and TCPA are a body of laws put in place to regulate the activities of debt collectors operating within the United States by spelling out what is considered acceptable and ethical conduct for collecting debt and what is not.
The FDCPA and TCPA do not allow debt collectors to:
- Speak to you in a rude or abusive way, curse, and insult or use profane words while addressing you.
- Try to or threaten to harm you, your family, property, reputation, or acquaintance.
- Call you endlessly. Debt collectors are not allowed to badger you with calls.
- Call you before the hours of 8 a.m. or after 9 p.m.
- Talk to third parties about your debt who have no business knowing about it.
- Threaten to sue you when they do not plan to do so.
- Make efforts to get you to pay more than you actually owe.
- Be deceitful about who they are or pretend to be attorneys or the government in order to scare you.
- Try to treat you like a criminal or tell you that you have broken the law and will be arrested.
- Deceitfully present false papers to you saying it is from the court.
- Tell you that they can take your benefits money (such as Social Security disability, pension, retirement, child support, alimony, or other protected funds).
- Call you at work after being informed that they are not allowed to do so.
- Share your debt information in other ways such as:
- Send you a postcard with information about your debt.
- Use social media platforms to mention your debt.
- Put up information about your debts in newspapers or magazine
If you are currently facing any of the situations mentioned above, do not despair; the law is on your side. Call us now on 844-791-1990 to begin discussing your options.
About Van Ru Credit Corporation
4839 N. Elston Avenue
Chicago, IL 60630
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About this site (Telephone Harassment)
Here at Telephone Harassment, we are all about informing consumers about their rights regarding harassment from debt collectors, collection law firms, and Original lenders. Read more about us here.
Call us now on 844-791-1990
Van Ru Credit Corporation may be contacting you from the following numbers: 800-477-7474, 877-677-7862, 800-387-1357
Van Ru Credit Corporation BBB Information
BBB file opened: 03/01/1974
Consumer Rights Law Firm Center BBB information
BBB Rating: A+