If you have a problem keeping a good credit, you might find yourself frustrated with a call from a collection agency. Those agencies that have been handed over debts already put a black mark and report for confidence. But it is important to know your rights when it comes to being in debt. Phones from collection agencies are unethical, and if you understand the good credit laws, you can start with all of the problems and unlawful practices of these companies.
The most important law to know and see if you think you are being treated badly is the Fair Debt Collection Practice, or FDCPA. This is a law that provides all the information needed to understand if the company is wrong. If not, contact the government official or police correspond file.
The first thing you should understand is that they have 30 days to check the debt they are putting on you. Because this is a 30 day grace period giving you enough time to make sure that it's all right and in order, you've made a mistake, and before this, all the debt collector starts to you Do not harass you by phone, or any other form of contact. After 30 days, your phone can start ringing so much, this is a collector who calls you to pay your bills, as well as being against the law what they are saying Please be aware that it is also unethical.
The debt collector can not threaten you with what he or she says. They do not have the power to do this. For example, bill collectors often ruin the reputation and tell other people like your friends, bosses or employers about your debt problems, often collectors only information debt and marital Lender. Something else is a violation and you have the opportunity to sue a collection agency if they tell anyone else any of this personal information
It is an archaeological site that gives a threat that can be collected. This is a very unacceptable threat. Damage has already been made to your credit report. Debt is not reported for 7 to 10 years, depending on your credit reporting agent. Federal law does not allow collection agencies to ruin your credit in any other way. If they threaten this, or tell anyone about your debt, the collection agency is violating the FDCPA, it reports the agency to the authorities Arrested or garnish with collectors an imminent threat .
If they are threatening anything else, you should not just get the phone off, you also need to call the police and they have public credit and are on the line If the collection agent does not have the right to work, you may misreport your debt as will. You need to know your rights and protect yourself.
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