Extreme Debt Collectors: Know Your Rights

By Author: Mark Smith
Total Articles: 48
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If you've ever been behind in paying your bills and they've been turned over to a debt collector, you can relate to how stressful it can be. There are certain things the debt collectors can and cannot do that you should know about.
The Fair Debt Collection Practices Act, enforced by the Federal Trade Commission, prohibits debt collectors from using false or misleading statements, harassing or abusive conduct or any unfair methods to collect debts. They cannot make false threats to coerce payment or use deceptive collection notices that falsely appear to be from an attorney or a court. In addition, they cannot engage in any sort of harassment, such as threatening violence, using profanity and obscenities, or making continuous phone calls.
What this means for you
Personal, family, and household debts are covered under this Act. You may be contacted in person, by mail, over the phone, or by telegram or fax. Debt collectors may not contact you before 8 a.m. or after 9 p.m., unless you agree. Also, they cannot contact you at work if they know it is unacceptable to your employer. To stop the calls or contact ...
... altogether, you can send a letter telling them to stop. However, they can contact your attorney if you have one. They can also contact other third parties one time to find out where you live, your phone number, and where you work. Remember to keep a detailed record of all conversations and other contact.
Knowing your rights can help alleviate some of the stress. If you believe a debt collector has gone overboard and treated you unfairly, you can report the problem to your state Attorney General's office and the Federal Trade Commission.
For more detailed information, please visit: www.ftc.gov.
About Christian Credit One, Inc.
Christian Credit One, Inc. is a national, non-profit Christian Credit Counseling organization dedicated to helping consumers achieve financial wellness through Christian credit counseling and education. Established in 1994, Christian Credit One has helped over two million individuals achieve financial security. Christian Credit One is one of the top members of the American Association of Debt Management Organizations (AADMO), Christian Credit One manages clients across the country. Personalized and confidential consultations are available in person, by phone or online. Visit Christian Credit One or call 888-767-9155.

Greg McTaggart, Certified Credit Counselor with 22 years experience, licensed by AFCPE, Director of Christian Credit One and is an expert in budget and