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Posts tagged "Fair Debt Collection Practices Act"

Common questions about stopping creditor harassment

If you are going through financial hardships, one of the most stressful aspects is dealing with calls and mail from creditors who are asking for their money back. While creditors are allowed to send reminders within reason, there are actually laws in place to prevent harassing conduct.

Taking a stand against abusive debt collection

Dealing with debts can be very stressful especially if you can't address delinquent accounts immediately. You may be at the point where you worry about the debt collector calling or otherwise trying to get in touch with you. While debt collectors have a right to do their work, they must do so in a respectful and non-harassing manner.

What are creditors' rights and when do they overstep the mark?

Dealing with debt is never an easy situation to be in, and for many people, it can feel like a never-ending spiral, since interest is often accumulated on existing debts. The stress of having debts is not made easier by creditors who seem to never stop asking for their money back.

When can I stop debt collectors from calling me?

When debt collectors call you regarding debts, they believe you owe -- even if they're mistaken that you owe money or you can't pay the debt -- it could be a good idea to speak with them once. This can help determine whether the issue is resolvable. It will also give you the opportunity to ask the agency its name and mailing address.

What behaviors violate the Fair Debt Collection Practices Act?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates how mortgage, medical billing and credit card companies may attempt to collect on a debt. It also prohibits collection agents from being allowed to use deceptive, abusive or unfair techniques to try to collect the money that you may owe them.

Signs of debt collector harassment in Minnesota

Debt collectors are required to follow the law known as the Fair Debt Collection Practices Act. This law helps to protect the public, also known as consumers, from unfair collection practices. Even with this law in place many debt collectors continue to use unfair practices to collect debt in Vadnais Heights, Minnesota. Here are some common signs of debt collector harassment you should be on the lookout for at all times.

You're protected under the Fair Debt Collection Practices Act

Have you been continuously called or bothered by debt collectors? Has a collector told you that you might be arrested if the debt is not paid? The Fair Debt Collection Practices Act (FDCPA) is in place to stop this kind of behavior. The Act requires that debt collectors not only treat people fairly, it also bans specific types of collection methods.

Don't get frozen out by credit reporting errors

When was the last time you checked your credit report? Many people do not check their credit reports until they are attempt to get financing and find that credit is either denied or offered at less than favorable terms. Credit reporting errors can have significant consequences. Fortunately there is something you can do about it.

Get Answers To Your Questions

Contact the Consumer Justice Center. Tommy Lyons can speak with you in a free initial consultation arranged at 800-556-6752, toll free, or by email from wherever you are in the U.S.

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Consumer Justice Center P.A.
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Vadnais Heights, MN 55127

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