If you owe revenue to a financial debt selection company or credit card debt collector, you need to know what they can and can't do so that you can acquire monies owed to them. You've an obligation to pay for Anything you owe, as well as financial debt collectors have an obligation to Keep to the legislation rather than harass you at home 고머니상장 or at operate.
The Honest Financial debt Collection Techniques Act relates to those who collect debts owed to creditors for personal, family members and residence debts. These incorporate automobile loans, mortgages, cost accounts and money owed for healthcare charges. A credit card debt collector is an individual hired to gather revenue you owe.
Inside 5 days after a debt collector very first contacts you, the collector ought to ship you a detect that tells you the title on the creditor, exactly how much you owe, and what action to consider if you believe you don’t owe The cash.
If you owe The cash or Portion of it, Get in touch with the creditor to rearrange for payment.
If you suspect you don’t owe The cash, Make contact with the creditor in composing and deliver a copy to the collection agency using a letter telling them to not Get hold of you. A financial debt collector may not:
Call you at unreasonable instances, one example is, before 8 a.m. or right after 9 p.m., Except you agree;
Speak to you at do the job in case you convey to the debt collector your employer disapproves;
Make contact with you When you compose a letter telling them to stopexcept to notify you if the collector or creditor options to get a selected action;
Call your mates, relatives, employer or othersexcept to determine where you live and get the job done;
Harass you thru threats to harm you, profane language or recurring phone calls;
Make any Untrue assertion, or assert that you will be arrested; or
Threaten to acquire revenue deducted from a paycheck or to sue youunless the collection company or creditor intends to do so and it really is lawful.
You've got a responsibility to repay any debt that you choose to owe. Debt selection businesses even have a responsibility to take care of their prospects with respect and Adhere to the regulation.
For anyone who is being harassed by a credit card debt assortment agency, contact the authorities and report them.