FDCPA Legal Clout is There For You

The Fair Debt Collection Practices Act, or the FDCPA, is what protects your rights against being harassed by debt collectors. If you have been having trouble financially and have bills that you haven’t been able to pay, there’s a chance that you will, sooner or later, encounter debt collectors.
There are limits as to what the debt collector can and cannot say or do to you. An obvious example is that a caller cannot make racial slurs or insult you in any way. Such low behavior is pure and simple harassment and not something you should have to tolerate.
It should be noted that the way the FDCPA protects you from debt collector harassment depends on what type of debt it is. If you are behind on a store credit card, and you are being called by the owner of the store, you will not be protected by this act. However, even if you are being harassed by a debt not covered by the FDCPA, you can still file a suit for harassment. In any unpleasant situation, you have rights.
One of the ways the FDCPA protects you is by making sure that you are not tricked or fooled into anything. A debt collector cannot say to you that they will have you arrested, or threaten you with human rights law school repossession, or lower your credit score, unless they actually plan on following through on these threats. However, in most cases, a collection agency has no legal authority in these matters.
Another way the FDCPA protects you from harassment is by making sure that you have privacy. Debt collectors are not allowed to contact your friends or neighbors, unless they have co-signed your loan or you have otherwise given the debt collectors permission call them. Your employer may not be contacted either. If you are behind on your payments, it is your business and your business only. You are entitled to confidentiality.
Take note of all the ways the FDCPA protects you. Know your rights and do not allow any debt collectors to harass you, humiliate you, or make empty threats. society law and ethics class 12 notes You have enough to worry about already, so collection agencies should know their place and only warn or inform you of your missing payments.
You should not hear your phone ringing late at night, early in the morning, or at other unreasonable times, and you should definitely not be subjected to embarrassment or insults. If you feel as though a debt collector may be treating you unjustly, take action, and consult a fair debt lawyer who can put the legal power of the FDCPA into action for you.

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