Stop Debt Collectors

Can you stop debt collectors ? . . .You better know you can

You can stop debt collectors under the law provided by the Fair Debt Collection Practices Act. If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor."

If you fall behind in repaying your creditors, or an error is made on your accounts, you may be contacted by a "debt collector." You should know that in either situation, the Fair Debt Collection Practices Act requires that debt collectors treat you fairly and prohibits certain methods of debt collection. Of course, the law does not erase any legitimate debt you owe.

What debts are covered?

Personal, family, and household debts are covered under the Act. This includes money owed for the purchase of an automobile, for medical care, or for charge accounts.

Who is a debt collector?

A debt collector is any person who regularly collects debts owed to others. This includes attorneys who collect debts on a regular basis.

How may a debt collector contact you?

A collector may contact you in person, by mail, telephone, telegram, or fax. However, a debt collector may not contact you at inconvenient times or places, such as before 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that your employer disapproves of such contacts.

Can you stop a debt collector from contacting you?

You can stop a debt collector from contacting you by writing a letter to the collector telling them to stop. Once the collector receives your letter, they may not contact you again except to say there will be no further contact or to notify you that the debt collector or the creditor intends to take some specific action. Please note, however, that sending such a letter to a collector does not make the debt go away if you actually owe it. You could still be sued by the debt collector or your original creditor.

May a debt collector contact anyone else about your debt?

If you have an attorney, the debt collector must contact the attorney, rather than you. If you do not have an attorney, a collector may contact other people, but only to find out where you live, what your phone number is, and where you work. Collectors usually are prohibited from contacting such third parties more than once. In most cases, the collector may not tell anyone other than you and your attorney that you owe money.

What must the debt collector tell you about the debt?

Within five days after you are first contacted, the collector must send you a written notice telling you the amount of money you owe; the name of the creditor to whom you owe the money; and what action to take if you believe you do not owe the money.

May a debt collector continue to contact you if you believe you do not owe money?

A collector may not contact you if, within 30 days after you receive the written notice, you send the collection agency a letter stating you do not owe money. However, a collector can renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount owed.

What types of debt collection practices are prohibited?

Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact.

For example, debt collectors may not:

use threats of violence or harm;

publish a list of consumers who refuse to pay their debts (except to a credit bureau);

use obscene or profane language; or

repeatedly use the telephone to annoy someone.

False statements. Debt collectors may not use any false or misleading statements when collecting a debt. For example, debt collectors may not:

• falsely imply that they are attorneys or government representatives;

• falsely imply that you have committed a crime;

• falsely represent that they operate or work for a credit bureau;

• misrepresent the amount of your debt;

• indicate that papers being sent to you are legal forms when they are not; or

• indicate that papers being sent to you are not legal forms when they are.

Debt collectors also may not state that:

• you will be arrested if you do not pay your debt;

• they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so; or

actions, such as a lawsuit, will be taken against you, when such action legally may not be taken, or when they do not intend to take such action.

Debt collectors may not:

• give false credit information about you to anyone, including a credit bureau;

• send you anything that looks like an official document from a court or government agency when it is not; or

• use a false name.

Unfair practices.

Debt collectors may not engage in unfair practices when they try to collect a debt. For example, collectors may not:

• collect any amount greater than your debt, unless your state law permits such a charge;

• deposit a post-dated check prematurely;

• use deception to make you accept collect calls or pay for telegrams;

• take or threaten to take your property unless this can be done legally; or

• contact you by postcard.

What control do you have over payment of debts?

If you owe more than one debt, any payment you make must be applied to the debt you indicate. A debt collector may not apply a payment to any debt you believe you do not owe.

What can you do if you believe a debt collector violated the law?

You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, you may recover money for the damages you suffered plus an additional amount up to $1,000. Court costs and attorney's fees also can be recovered. A group of people also may sue a debt collector and recover money for damages up to $500,000, or one percent of the collector's net worth, whichever is less.

Where can you report a debt collector for an alleged violation?

Report any problems you have with a debt collector to your state Attorney General's office and the Federal Trade Commission. Many states have their own debt collection laws, and your Attorney General's office can help you determine your rights.

About The Author

© Copyright. http://www.deleteuglycredit.com

Omar M. Omar is the owner of http://www.deleteuglycredit.com. The website is dedicated to provide credit consumers with information about their credit right and how to dispute inaccurate information on their credit report. Omar M. Omar is also the author Of "The Credit Repair Bible" book.

You have permission to publish this article electronically or in print, in your Newsletter, on your website, or in your E-Book, as long as the author's Resource Box is included with the article.

omar@deleteuglycredit.com

---

Google News Updated : Fri, 21 Nov 2008 21:51:50 GMT NPR Radio Host's Conflict With Drug Makers Exposed by Sen. Grassley - InjuryBoard.com InjuryBoard.com NPR Radio Host's Conflict With Drug Makers Exposed by Sen. Grassley InjuryBoard.com - 2 hours ago Senator Charles Grassley (R-Iowa) just keeps uncovering all kinds of skeletons in the closets of influential people. This time he has found that a popular National Public Radio (NPR) host of the health and science show, “The Infinite Mind,â€� has a ... NPR doc didn't disclose pharma payments FiercePharma Grassley Knock NPR Host Goodwin for Drug-Industry Conflicts Wall Street Journal Blogs Pharmalot - Nature.com (subscription) - New York Times all 9 news articles Publ.Date : Fri, 21 Nov 2008 19:29:51 GMT UN: Gunmen kill woman while trying to rape girl at camp - CNN International WELT ONLINE UN: Gunmen kill woman while trying to rape girl at camp CNN International - 1 hour ago (CNN) -- Armed men entered a Congolese camp for displaced people Friday to kidnap and rape a girl, but when the girl screamed, the gunmen fired shots, killing a 20-year-old woman, a UN spokesman said. DR Congo rebels say Hutu militia heading to evacuated zone AFP Rebel violence is latest in string of plagues afflicting Congo's Goma Los Angeles Times Sydney Morning Herald - Whitman Pioneer - BBC News - Reuters all 1,940 news articles Publ.Date : Fri, 21 Nov 2008 20:44:05 GMT Globe Magazine preview: Chuck Turner on race, ethics - Boston Globe WHDH-TV Globe Magazine preview: Chuck Turner on race, ethics Boston Globe - 1 hour ago For an essay in the Boston Globe magazine that will appear this Sunday, freelance writer (and former Boston city councilor) Tom Keane conducted an e-mail interview with Boston City Councilor Chuck Turner. Turner released on $50K bond in bribery case Boston Herald Boston politician Chuck Turner accused of taking a bribe NECN The Associated Press - Bizjournals.com - WBUR - WBZ all 375 news articles Publ.Date : Fri, 21 Nov 2008 20:32:45 GMT Inside the Kobe-Shaq feud - SI.com TVNZ Inside the Kobe-Shaq feud SI.com - 5 hours ago By Mark Heisler This excerpt from Madmen's Ball: The Continuing Saga of Kobe, Phil, and the Los Angeles Lakers is printed with the permission of Triumph Books. Daily Dime: Shaq and Kobe play nicely - NBA ESPN Lakers roll past Suns Sports Network FOXSports.com - The Associated Press - Denver Post - East Valley Tribune all 645 news articles Publ.Date : Fri, 21 Nov 2008 16:36:50 GMT Congressional Leaders Vow Support for Carmakers - New York Times Vancouver Sun Congressional Leaders Vow Support for Carmakers New York Times - 1 hour ago By DAVID STOUT WASHINGTON - A day after declaring that American auto executives had failed miserably in making their case for federal aid, House Speaker Nancy Pelosi sought to encourage them on Friday, saying that “we don’t have any intention of seeing ... Bailout debate simmers as GM pares output Reuters Hill to Detroit: You Want Money? Play By Our Rules. Washington Post Detroit Free Press - Indian Express - FOXNews - WIS all 3,012 news articles Publ.Date : Fri, 21 Nov 2008 20:00:15 GMT Small blaze erupts in Malibu, but winds are helping firefighters* - Los Angeles Times Small blaze erupts in Malibu, but winds are helping firefighters* Los Angeles Times - 57 minutes ago The Los Angeles County Fire Department estimated the blaze has burned about two acres but appears not to be spreading. Wind conditions were favorable for firefighters, who were on the scene. Brush Fire Ignites in Malibu LAist Brush Fire Breaks Out In Malibu CBS 2 Ventura County Star - San Luis Obispo Tribune all 5 news articles Publ.Date : Fri, 21 Nov 2008 20:53:56 GMT Florida Teen's Suicide Streamed Live On Internet - InformationWeek ABC News Florida Teen's Suicide Streamed Live On Internet InformationWeek - 1 hour ago Some thought the event a hoax until Adam Biggs, Jr.'s body was found by police. By KC Jones A Florida teen who intentionally overdosed streamed his death on the Internet while it occurred Wednesday. Florida teen kills self in front of live webcam Reuters Florida teen commits suicide in front of webcam The Associated Press ABC News - WTTE - TG Daily - FOXNews all 461 news articles Publ.Date : Fri, 21 Nov 2008 20:33:26 GMT Clickbank Affiliate Earn Money At Home

PARLOT::Ebooks, Scripts, Websites, and more...

Adsense websites

IVA Advice

An IVA (individual voluntary arrangement) is an alternative to bankruptcy... Read More

What You Should Know About Bankruptcy

Filing bankruptcy is not only a last resort legal action;... Read More

Stop Debt Collectors

Can you stop debt collectors ? . . .You better... Read More

How To Pay Credit Card Debt Off

If you are determined to pay credit card debt off... Read More

Debt and Your Dreams

You may not realize what that credit card bill is... Read More

How to Avoid Bankruptcy

Bankruptcy is a legal way to offer folks with high... Read More

How To Avoid Medical Collections

With medical collections costing doctors millions upon millions of dollars... Read More

Debt Collectors; And what you can do to Get Them Out of your Life

FTC opinion letter on validation Section 809(a) of the FDCPA,... Read More

You Can Make Financial Resolutions Anytime

The New Year often brings with it a desire to... Read More

Currency Trading Fee Concept

Troubles with Global Economy; Do you see future problems with... Read More

Bankruptcy 101

Bankruptcy still remains a mystery in the eyes of many... Read More

Credit Repair - Understanding The Basics

What is Credit?Credit means that you are using someone else's... Read More

How to Become Debt Free

In today's consumer society it is all too easy to... Read More

Questions to Ask a Credit Counseling Service about Debt Relief

Debt relief is a topic on a lot of consumers'... Read More

Christian Debt Consolidation ? Feel Comfortable About Managing Your Debt

Many Christians feel uncomfortable with the notion of being in... Read More

Your Secret Weapon... A Budget

For many, the word 'budget' immediately sends shivers down the... Read More

Bankruptcy: Which Chapter Do I File?

There is more than one kind of bankruptcy. You should... Read More

A History of Money and Banking Secrets That Banks Dont Want Published

A History of Money and TradeTo start with a history... Read More

Debt Collectors: Men or Mice?

Who are these people anyway? They viciously harass you and... Read More

The Five Most Popular Questions About Bankruptcy

WILL MY CREDITORS STOP HARASSING ME?Yes, they will! By law,... Read More

Credit Counseling ? Signs That You May Need Help

Credit counseling is a viable option for those who are... Read More

Is Independence Overrated?

Happy Independence Day from The Money Motivator!If you don't celebrate... Read More

Use A Debt Checklist To Examine Where You Are

A Debt Checklist allows you to look at items and... Read More

Selecting A Credit Counselor; Asking The Right Questions.

When you find yourself thinking about using a credit counseling... Read More

Bankruptcy Reform

There are some new bankruptcy laws going into effect before... Read More