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A telephone call or letter often causes customers to panic and tremble. I’m talking about the first contact with a collection agency for consumer debt. When you are approached by such a company, do you know your rights? You should certainly not panic or become frightened. Not some demon or Boogeyman is a collection agency. It is a legal corporation that makes its money collecting debts for others and earning either a share of what the entity receives or a collection fee and often both. The Federal Trade Commission (FTC), which is responsible for implementing the Equal Debt Collection Practices Act of 1977, oversees these entities (FDCPA). Many states have an office/agency for consumer protection that also enforces the FDCPA, so be sure to consult with your state government.To get more information try out here chapter 13
You should not be called by a customer debt collection service more than three times a week by mail or telephone and only one of those calls may be at your place of business or work. You still can’t be phoned between 9 p.m. Yes, and 8 A.M. If you do not want to be contacted at work, you can inform the company in writing, but you must have a telephone number where you can be called and the best time to reach you at that number.
You have the right not to be humiliated by criminal activity, harassed, ashamed, or threatened. The agent of the organisation does not use offensive language to win by talking to you or engaging with you in its other communications. If you have an advocate, the firm can contact your attorney and negotiate exclusively with your lawyer.
If you see that the customer debt collection service is unable to settle the matter, then you can give the agency a written notice demanding that all communication with you stop and that the company must comply. Such a note should be submitted by certified mail, asking for a return receipt. Of course, other steps can continue to be taken by the agency, such as notifying the credit bureaus and filing a complaint against you.