Some Important Facts About Debt Collection Techniques

By Author: J.J. Yong
Total Articles: 963
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Many people who are in debt hate to deal with debt collection agencies because these agencies like to use harsh tactics to chase payments. If you are also burdened with debts, here are some facts you need to know in order to protect yourself from unfair treatment.

According to the Fair Debt Collection Practices Act, the collection agencies are allowed to contact you between 8am to 9pm every day by phone

The debt collectors should stop making calls once they receive written notice from you stating that you are willing to settle your debts

You can ignore the collectors if you feel that they have intention to threaten, abuse or harass you. Any abusive language is actually prohibited among the collectors.

The debt collection officers are prohibited to communicate with you at your workplace if it is not accepted or agreed by your employers.

It is illegal if the officers from the collection agencies claim that he or she is an attorney or law enforcement officer. Misrepresenting the debt or using deception to collect the debt is totally illegal.

The debt collection agencies have no right ...
... to publish your name and address on any bad debt list because it will tarnish your image.

It is totally illegal if the officers threaten and force you to pay for unjustified debt amounts. It is very unfair to you.

Legal action can be taken on the debt collection agencies if they report false information on your credit report with the intention to spoil your credit score.

Even you are burdened with huge debt, it is indeed important for you to know your rights when you are facing all types of irresponsible collection techniques.
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