Article Side

Online Article Directory!

Hello Guest! Login or Register to submit articles!

Fair Debt Collection Act puts an end to Debt Collection Harassments

By Safinajones Subscribe to RSS | November 25th 2011 | Views:

There cannot be any frustrating situation than dealing with personal debts. Today, countless Americans face debt related issues whether it’s regarding student loans, car loans or credit cards. In fact, a debtor remains restless till the time his debts are cleared. What’s worst in settling debt issues is getting in touch with debt collectors. Well, you will never want repeated telephone calls from a debt collection agency. Well, you also can’t deny that you hate receiving letters with reminders and warnings regarding your debt repayments. Despite, you can get rid of these debt collection harassments. The debt collection laws restrict debt collectors from harassing debtors to obtain the required number of debts.

The Fair Debt Collection Act was established in the year 1977 in order to keep away debt collectors from adopting malpractices while collecting debts. The laws have been strictly formulated with the intention to make debt collection agencies aware of not using any sort of abusive procedures while collecting debts. If any debt collector is found guilty of applying unlawful policies in obtaining debts, he might be subject to legal actions.

So, here are a few debt collection laws that must be followed by collectors working in debt collection agencies:

Debt collectors are not allowed to call a debtor during inappropriate hours of the day. For instance, a collector should not call up his debtor before 8 in the morning or after nine at night.

The Fair Debt Collection Act also states that no debt collector is allowed to contact the debtor’s work place no matter how worse the situation is. In fact, they can’t call up his employer and talk about his debts.

If a debtor is represented by a lawyer, he should not be contacted by anyone from the debt collection agency.

According to the Fair Debt Collection Act, it’s the duty of a debt collector to make his debtor aware that the latter has the right to dispute the debt. The debtor here needs to request for a written verification of his debts in the form of a letter. Once requested, the debt collector is bound to provide the debtor all debt verification details including the creditor’s name and address.

No postcards will be allowed to communicate a debtor. In fact, debtors should be aware of the actual identity of a debt collector. If he is a professional agent from a debt collection agency, he should converse politely and should not use any abusive language or otherwise he will be accused for violating debt collection laws.

Safinajones - About Author:
Safina Jones is a legal advisor who has good information on debt collection laws. To know more about on Fair Debt Collection Act, please visit

Share on Facebook Tweet It Stumbleupon this post This post is delicious !

Article Source:

Related Business Articles Subscribe to RSS

Display an artistic side of your persona with a collection on Viking swords
Published by Vswords on May 21st 2012 | Business
Ask any warrior or an ardent lover of sword collection what it means to have an assortment of exquis...
A basic guidance to the fair debt collection act
Published by Smith Jhonson on March 12th 2012 | Business
The fair debt collection act is all about protecting the rights of the creditor and the debtor as we...
Fair credit reporting and fair debt collection practices are your rights
Published by Safinajones on January 12th 2012 | Business
If you have fallen victim to false credit reports or unfair debt collection practices, do not suffer...
Implement your rights with the help of debt collections harassment laws
Published by Smith Jhonson on March 12th 2012 | Business
There are numerous consumer laws that are there to protect the consumers from the unlawful and the u...
Find inspiration through a stunning collection of Jewellery Windsor
Published by James Blee on June 16th 2012 | Business
Hunting for a perfect item of jewellery can be fraught with problems. In your mind you know exactly...
A win-win situation for both an organisation as well as debt management companies by hiring a debt collector agency.
Published by Gabi William on March 27th 2012 | Business
We do all the hard work for you and approach each case very seriously - no matter what the size....
Dealing with rubbish collection issues
Published by Canberra Marketing on December 3rd 2011 | Business
Rubbish collection is an imperative task that needs to be executed on a regular basis before it turn...
Some tips to get rid of your IRS tax debt
Published by Smith Jhonson on March 12th 2012 | Business
The IRS tax debt is such an issue that can go on for years without much progress. Here are ways to g...
La courbe de Hublot est une autre grande collection de lunettes de soleil
Published by on December 26th 2011 | Business
Nous sommes spécialisés dans la vente de marques telles que Rolex, Breitling, Tag, Omega, Cartier,...
Protect yourself with the debt collections harassment laws
Published by Smith Jhonson on March 28th 2012 | Business
There are many consumer protection laws that are applicable to help and provide the consumers safety...
Hypo Venture Capital Headlines: Know the tricks to get business loan despite debt
Published by Hypo Venture on January 14th 2012 | Business
After the recent economic meltdown, many business organizations have incurred insurmountable amount ...
Philip Stein Dubai: Offering the wide collection of wrist watches
Published by Fashlink on March 30th 2012 | Business
Philip stein, the most famous name among the collection of watches that are provides most innovative...
Open up your arms in collecting bad debt from customers by hiring debt collecting agencies and keep your accounts clear.
Published by Gabi William on March 27th 2012 | Business
Our team of accounting specialists makes the accounting process simple, quick and hassle free....