A lot of people get out of debt collection agencies, debt collection practices that unfairly harassed. You can stop debt collectors that unfair debt collection practices. There are laws that the collection agencies have to follow, but unfair collection practices still exist. Knowing the laws can keep you from harassment.
If collection agencies to contact you, they have to let you know who they are and why they call. You should not insulting language when they call you. Collection agencies can not threaten you with the exposure of the population or jail time for your debt. You do not go to jail for not paying bills, unless you commit fraud.
Collection agencies have the right, family members, and employers call references to employment and to maintain your current address. Each time family members, employers, references tell them to stop calling.
Tips for challenging Debt You have the right to write about your debt to a collection agency. Below are some things to look for when you are looking for a bill from a collector.
• Make sure that it is your fault and not someone else • The amount owed is correct. • Correct address and phone number. • Make sure that the bill is certainly not obsolete.
To dispute a debt with a debt collector, you have to contact them by phone. Then the debt collector you will need a written message. The written notice must explain to you the details on how to dispute the debt. Below are a few what the letter needs to tell you.
• the name of the creditor. • How and where to make a payment. • amount owed. • A statement that you know that it is an attempt to collect a debt....
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