Have you landed up with a good number of debts? Is your debt collection agency harassing you day and night? Well, you want to get rid of it somehow, right? Although it’s true that failing to repay debts in time is a crime, no debt collector can still use illegal ways to obtain debts from individuals. According to the Fair Debt Collection Practices Act, if any debt collector from a debt collection agency uses unpleasant language or harsh actions, he is bound to be either penalized or face legal actions. Therefore, if you want debt collection help, you must know all the FDCPA rules and regulations.
Keeping in mind several past instances where debtors came up with complains for misconduct by debt collectors, the FDCPA has initiated stringent rules and regulations disobeying which can bring perils in the career of a debt collector. So, here are some points to make you aware of the laws that must be strictly followed by those who are assigned the role of collecting debts from people:
No debt collector can make calls at odd hours and irritate you with repeated questions regarding the collection of debts.
No slang languages or any other indecent words will be entertained. If one does so, the debtor can always lodge a complaint to the debt collection department.
The debt collectors are not allowed to call any of your relatives or friends to let them know about your debt collection issues.
No debt collectors will be allowed to visit the debtor’s office or meet his employer by any means.
Any sort of threat or physical violence is strictly against the law. If any member of the debt collection agency is caught doing such unlawful deeds, he might have to face the worst consequences.
Today, those who are looking for debt collection help can always approach a debt collector for debt collection help. Moreover, there are plenty of sites where you can always talk to financial advisers for debt collection help.
Dec 14, 2011
The Fair Debt Collection Practices Act makes Debt Collectors Red Alert
8:50 PM
Neo Anderson
1 comments:
How to reverse boycott debt collectors.
When a debt collector/debt collection/debt buyer company can repeatedly call with the intent of getting money their customers can repeatedly answer or call back with the intent of not giving them any. They need people to pay with as little talk as possible. They don't want to talk with people who know they are never going to pay. Be all talk and no pay. Answer when convenient. Call back. Give no information. Verify nothing. Ask as many questions as you can. Answer none.
Don't ignore/block/report them. It doesn't work. These folks want you to ignore them for as long as you can stand to or until you give them something valuable like money or information. Ignoring them is being their good customer. Sending a cease and desist is giving information. It lets them know you are still alive and remain their good customer. Preparing to initiate unlikely individual legal battles is being their good customer.
Be their bad customer. Make them talk to you fruitlessly for as long as they can stand to or until they stop selecting you as their customer. These companies cannot spend seconds much less minutes on the phone with every person who will never send them a dime. But they don't know who that is. You do. That knowledge is power. Every second you can keep their staff on the phone will render their business less profitable giving them a reason to never call you again.
Calling will not reset your SOL. Making a partial payment will.
One person who does this likes to ask general questions they should but usually won't answer, "May I have the name and address of your agent for service of process?" Calmly and slowly ask them to spell every word in the address. Read it back for verification. Control the pace. If they are rushing then politely ask them to slowly repeat. "Are you a corporation and if so in which state are you incorporated?" Repeat your questions when you don't get direct answers. When they won't answer a question ask, "Would you like to comply with the business and professions codes of your state?" That is usually the point when they hang up on me but if they say they want to comply then begin your questions again.
Repeat while you have the spare time. These folks have many victims and few operators. If everyone calls back but pays nothing the mass auto-dialer business model becomes unprofitable. Don't aid and comfort the enemy by ignoring them. Call! Have a nice long slow friendly chat! Make them hang up first.
Press 2 for Spanish.
There are certainly enough victims to take down this company so ignoring/blocking seems downright Orwellian to me. Really? We're just going to passively submit and go with a block list or however we manage ignoring an endless stream of unwanted phone calls day after day? No! Unite or remain conquered. Answer/return every call - become well practiced at keeping these folks on the phone - or count yourself not amongst the free.
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