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Your Debts, Your RightsHow to Handle Bill Collectors |
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By Stephanie Moore Debt collection companies are in business to make a profit -- off you. The more they recoup for the company that hired them, the better. There are usually incentives (read bonuses) for the individuals who can squeeze blood out of the proverbial turnip, so they can get pretty ugly with debtors. Hammering you with phone calls, threats of litigation, abusive and profane language, character assassination, and outright lies, are just a few tricks in the debt collector's arsenal. Even though these practices are illegal, they are so common most people don't report the abuses. There ought to be a law, you say? There is one. The Fair Debt Collection Practices Act (FDCPA) (15 UCS 1601) regulates debt collection companies and collection attorneys but -- and this is important -- it does not regulate the creditor, the person or company to whom you owe the money. And like all laws, the FDCPA is broken regularly, which means it won't always stop collectors from harassing you, but it does give you the right to strike back when collectors cross the line. What debts are covered?
What's allowed
May a debt collector contact anyone else about your debt?
What must the debt collector tell you about the debt?
Report Your Experience
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