What Is Your RIGHTS Under The Fair Debt Collection Practices Act

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What Is Your RIGHTS Under
The Fair Debt Collection Practices Act

• www.newhorizon.org

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• The Fair Debt Collection Practices Act was
  created to protect customers from obeying debt
  collection strategies that may or might not be
  considered harassing by a few individuals.

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• Knowing exactly what your rights really are can
  make the debt collection process less frightening
  and more successful for customers who might have
  gotten behind in their bills and are searching
  for a means out.

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• If you are behind in your payments and you need
  help, contact a debt counseling service right
  away they will be able to show you how you can
  control your spending, reduce your debt and
  regain your financial freedom again.

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• Rules debt collectors Should follow when dealing
  with Customers

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1. Communicate with consumers in any way (other than
   litigation) after receiving a written notice
   saying that the consumer wants no additional
   communication or will not pay the alleged debt.
2. Contact consumers by telephone outside of those
   hours of 800 a.m. to 900 p.m.
3. Get in touch with a customer proven to be
   represented by a lawyer.
4. Communicate with consumers in their place of
   employment after being advised that this is
   unacceptable or illegal by the employer.
5. Threaten detain or legal activity that's either
   not allowed or not really meant.
6. Call or engage any individual in telephone
   conversation repeatedly or continuously with
   intent to annoy, abuse, or harass any person at
   the called number.

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• 7. Communicate with the consumer or the pursuing
  collection attempts by the debt collector after
  receipt of a consumer's written request for
  confirmation of a debt created over the 30 day
  validation period.
• 8. Pretend he or she's a lawyer or law
  enforcement officer.
• 9. Publish a consumer's address or name on a "bad
  debt" list.
• 10. Use abusive or profane language employed in
  the course of communication related to the debt.
• 11. Seek unjustified quantities.
• 12. Report false information on a consumer's
  credit report or threaten to do so.
• 13. Communicate with third parties about the
  character of debts (other than the customer's
  spouse or lawyer).

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• For more information about "What Is Your RIGHTS
  Under The Fair Debt Collection Practices Act
  read this article
• https//www.newhorizon.org/credit-info/understandi
  ng-debt-collection-rights/