Dear babyg,
The fair debt collection act is a federal statute applicable to the conduct of Debt Collectors restricting the hours you can be contacted, the type of conduct they can engage in and the limited scope of what they can say.
For example…. A Debt Collector cannot call you at 2:00 A.M. and say they are from a law enforcement agency coming to arrest you and your children to serve the rest of your lives in Debtors prison with your parents who have been picked up earlier in the day. I have seen Collectors brazen enough to do this.
Dear babyg,
The Fair Debt Collection Act is a federal statute applicable to the conduct of Debt Collectors restricting the hours you can be contacted, the type of conduct they can engage in and the limited scope of what they can say.
For example…. A Debt Collector cannot call you at 2:00 A.M. and say they are from a law enforcement agency coming to arrest you and your children to serve the rest of your lives in Debtors prison with your parents who have been picked up earlier in the day. I have seen Collectors brazen enough to do this.
References :
The Fair Debt Collection Practices Act (aka FDCPA), 15 U.S.C. ยง 1692 et seq., is a United States statute added in 1978 as Title VIII of the Consumer Credit Protection Act. Its purposes are to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information’s accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.- Wikipedia