The FDCPA has laid down the guidelines for fair collection practices in order to protect consumers from being harassed by mean debt collectors. A creditor has a right to collect payment from you. But, debt collectors by no means are creditors; they are third party collectors and should not be allowed to browbeat you into believing their superiority.
Consumer Attorney Craig Kimmel discusses consumer rights and the Fair Debt Collection Practices Act on KYW TV’s Talk Philly Program.
Consumers who are behind on payments and owe debt have rights that are protected by the Fair Debt Collections Practices Act and can get compensation for each violation of the FDCPA.
Three out-of-state lawyers, accused of using unfair tactics to collect debts in Colorado, have been banned from collecting debts for periods ranging from three years to life
It’s a decades-old practice known in legal circles as “sewer service”. This occurs when a debt collector fails to properly serve a notice of complaint (litigation) upon the defendant (debtor) and then files a false affidavit claiming the notice has been properly served.
Voicemails from bill collectors are a reality when you have been turned over to collections. The dirty secret debt collectors don’t want you to know about is that they very often violate the law.
Four hundred million times a year, employees of a little-known company called NCO dial the telephone “just to talk.”
This law is designed to stop collectors from being abusive and unprofessional. Even if you owe money and the debt is really yours (you will be amazed at how many folks are called for another person’s debt), the collector must still treat you fairly and respectfully.
