If you owe dollars into a debt collection company or credit card debt collector, you have to know what they can and can't do so as to acquire monies owed to them. You may have an obligation to pay for what you owe, and the personal debt collectors have an obligation to Keep to the law instead of harass you in the home or at get the job done.
The Truthful Financial debt Collection Tactics Act applies to those who https://www.washingtonpost.com/newssearch/?query=애니멀고 acquire debts owed to creditors for personal, household and household debts. These contain car or truck loans, home loans, charge accounts and income owed for professional medical bills. A credit card debt collector is someone hired to gather income you owe.
In five times after a credit card debt collector very first contacts you, the collector will have to send out you a observe that lets you know the title of the creditor, just how much you owe, and what motion to take if you suspect you don’t owe The cash.
In the event you owe the money or Portion of it, Speak to the creditor to arrange for payment.
If you believe you don’t owe The cash, Make contact with the creditor in crafting and deliver a duplicate to the gathering agency using a letter telling them to not Speak to you. A credit card debt collector may well not:
Speak to you at unreasonable moments, by way of example, in advance of eight a.m. or immediately after 9 p.m., Except you agree;
Call you at operate for those who notify the personal debt collector your employer disapproves;
Make contact with you after you produce a letter telling them to stopexcept to notify you In case the collector or creditor plans to get a specific motion;
Contact your buddies, relatives, employer or othersexcept to discover where you reside and operate;
Harass you thru threats to hurt you, profane language or repeated phone calls;
Make any Fake statement, or assert that you will be arrested; or
Threaten to own income deducted out of your paycheck or to sue youunless the collection company or creditor intends to take action and it can be lawful.
You do have a 고머니상장 obligation to repay any personal debt you owe. Financial debt collection businesses also have a duty to take care of their buyers with respect and Stick to the legislation.
In case you are becoming harassed by a financial debt selection agency, Make contact with the authorities and report them.