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attorney fair debt collection practices act

    : 2022-06-16 0:42 Curtispax ( )
Just as there are many reputable collection agencies and billing departments, there are also bill collectors out there that skirt the law, misrepresent your debt or use harassment to collect. Fortunately, the Fair Debt Collection Practices Act (FDCPA) is a federal law that restricts what debt collectors are allowed to do when trying to collect certain types of debt. That’s why you need to know your rights as a consumer when it comes to unfair debt collection practices. Click here to sign up for our free financial education email course. Bill collectors that call you repeatedly at inconvenient times to “annoy, abuse or harass” you are violating the law. “The Fair Debt Collection Practices Act (FDCPA) says debt collectors can’t harass, oppress, or abuse you or anyone else they contact,” according to the Consumer Finance Protection Bureau (CFPB). Examples of harassment by debt collectors include using profane or obscene language, threatening violence or harm, not identifying who they are when calling to collect a debt. Debt collectors aren’t allowed to call you before 8 a.m. 9 p.m. or at work without your permission. Find out: What Counts as Collector Harassment? The FDCPA prohibits debt collectors from misrepresenting the character, amount or legal status of any debt.

If you think a debt collector is misrepresenting a debt it’s trying to collect, the Federal Trade Commission (FTC) recommends reporting the business to your state attorney general, the FTC or the Consumer Protection Financial Bureau. If a person attempting to collect a debt falsely claims that he or she is an attorney, that’s against the law. The same goes for a debt collection agency or other entity that represents or implies that any communication is from an attorney. Find out: Can a Debt Collector Contact My Employer? Some bill collectors may try to scare you by falsely claiming they can have you arrested or imprisoned. Or they may threaten to garnish your wages or seize property. It’s true that a debt collector may be able to garnish your wages, but first it must obtain a court order to take money from your paycheck. A debt collector must also get a court order to take money from your bank account or seize unsecured property that isn’t claimed as collateral. Find out: Can I Sue a Debt Collector for Harassment? According to the FDCPA, debt collectors can’t collect on debts that extend beyond the state statute of limitations. The length of a debt’s statute of limitations varies by the state (or the state specified in your credit contract) and type of debt. Always check whether an old debt someone is trying to collect is still legally collectable. Never make a payment or acknowledge the debt in writing until you know it’s within the statute of limitations, since in some states, those actions can start the statute of limitations on the debt again.

A statue of an alien stands guard over the Nevada highway near the Area 51 base. Though the U.S. government ostensibly controls Area 51, many conspiracy theorists suspect that the secret base has been co-opted by extraterrestrials, and that the little gray beings now are either sharing authority or even running the show. And why would they do that? One suspicion is that they've set up laboratories in which they're working, possibly alongside government scientists, in an effort to breed a race of human-alien hybrids. Theorists' feverish minds offer varying explanations for this project. Experiments to weaponize the weather? When you combine two popular objects of conspiracy theories - Area 51 and the assertion that government scientists are secretly trying to manipulate the atmosphere in an effort to develop a weather-control weapon - you get a combination that's almost as irresistible as, say, chocolate-covered bacon.


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