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2022年7月17日 03:50

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2022年6月23日 00:15

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CurtisWep 说:
2022年6月16日 08:37

Debts that are not collected by a third party are subject to a separate set of laws that protect the debtor. A debt collector can legally call the debtor to collect on a debt. In doing so, the collector must identify themselves and their company. They must also verify that they’re talking to the debtor before discussing the collection of debt. The collector must also verify the amount owed on the account. Additionally, a collector may call debtors a reasonable number of times during business hours. Debt collectors have to stop calling if the debtor makes a request (verbally or in writing). Debt collectors are required to send verification of the debt owed in writing within five days of contacting a debtor. Debt collectors are only allowed to discuss the debt owed. Make an attempt to collect payment. In some cases, they may attempt to collect on a debt by arranging a payment plan or debt settlement. If you are unsure about your rights under the FDCPA, it’s important to consult with an attorney, and sometimes you will pay reasonable attorney fees. It’s also important to know that many states have their own laws that regulate how debt collectors can collect on debts. What Can I Do If A Debt Collector Harasses Me?

The debt collector threatens to ruin the debtor’s reputation if they do not pay their debts. The debt collector threatens the debtor with physical harm. This is not only a violation of the FDCPA (Fair Debt Collection Practices Act), but it counts as assault. The debt collector does not identify themselves or their company name. A debt collector must identify themselves. Their company at the start of the call. They must also ensure that they’re speaking to the debtor before discussing the debt. The debt collector calls and attempts to harass the debtor’s family and friends. For one, collectors may not discuss a debt with third-parties. On top of that, they may not call the third party more than once. The debt collector’s calls are excessive. This means calling several times a week or more. Debt collectors are also not allowed to call outside standard business hours. The debt collector uses profanity or abusive language to intimidate the debtor. Any of these behaviors count as harassment.

There are a few steps that debtors can take if they’re harassed by debt collectors. It’s important to verify the debt first, being that collection records are often full of mistakes. Debtors should ensure that the account belongs to them and the amount owed is correct. If the debt belongs to someone else or the total is not correct, the debtor can dispute the debt. Keep records of the calls, and if they become excessive, request that the collector stop calling. Requesting that a collector stop calling requires them to do so. However, if the collector keeps calling, it may be time to seek professional help due to the emotional damages. If you feel that debt collectors are harassing you, there are several steps you can take. Contact the Consumer Finance Protection Bureau. If you are considering suing a debt collector for harassment, it’s important to know that they have a legal team on their side to defend them against your claims.

Whether it’s possible to claim a debt collector for harassment is a common question for individuals in debt. The short answer is yes, but it’s important to be aware of the circumstances that make suing an option for the unfair debt collection practice under the consumer protection law. What Qualifies As Harassment? Debt collectors, though irritating, are still individuals trying to do their jobs. It’s legal and acceptable to attempt to collect on a debt. However, there is a line between standard collection calls from the debt collection agency and harassment. The simple act of calling to collect on a debt does not equal harassment. There are several actions a caller can take during the call that qualify as harassment. If a debt collector does any of the following, it’s both harassment and a violation of the Fair Debt Collection Practices Act. The debt collector threatens to have a debtor arrested. This is a common scare tactic used by unprofessional debt collectors. The debt collector threatens to sue the debtor if the debt isn’t paid. Debt collectors, as individuals, do not have the authority to sue debtors. In any case, a debt collection company cannot threaten to sue debtors if they have no intention of doing so.

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