 Posted: Fri Aug 05, 2005 1:07 pm Subject: |
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Hi Tricia
A debt collector is required to follow the guidelines laid down in the FDCPA act while recovering the debts from the consumers. He should not contact the debtor without his prior consent or if a court notice is there of a competent jurisdiction
A debt collector is also restricted from engaging in illegal activities such as harassments, oppressions, or abuse while collecting a said debt. The law restricts them from using obscene or profane languages.
The debt collectors are forbidden from falsely representing the accounts saying that it is vouched for, bonded by, or affiliated with the United States or any State. The accounts should not be manipulated by them in any case which will result in a violation of the Fair Debt Collection Practices Act.
If the debt collectors are recovering a said debt, they are required to provide validation of it so that the consumers are well aware of their unpaid accounts. If the consumers find an objection, they have the legal right to dispute it and the debt collectors are bounded by law to provide justification.
A debt has to be within the Statute of Limitation period before the collectors can seek any sort of legal action against the debtor. Please ensure that the collectors provide you the necessary information relating to your debt.
Regards
Roxette
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roxette
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