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A debt collector has no right to "harass" you at all. They do have the right (not withstanding some state's specific laws) to contact you at your place of employment in an attempt to collect the debt. You do have the right to request they do not call your place of employment and they have to abide by the law. Research the Fair Debt Collection Practices Act (FDCPA) for further information.
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Can a debt collector continue to call after you file bankruptcy?
No, not as long as they were included in the bankruptcy. You should give their information to your bankruptcy attorney, who will contact the debt collector. If that doesn't work, your attorney will certainly know what to do next.
You talked to a debt collector and promised to pay should you still pay?
Technically, ANY debt should be paid. If you owe it, then you owe it! If you need more time to get a payment to them, you can call and make arrangements. They will normally work with you. Once its with a debt collector, your already in trouble.....it wont get better by ignoring it
Does debt consolidation really work?
Debt consolidation can be great for some people if you go through the right company. Do research before you decide on who to use.
How does a debt card work?
A debt card withdrawals money directly from your checking account.
What services does the Debt Relief Network provide?
The Debt Relief Network provides services to those families who are in high debt with poor outlooks. They work with the companies that the families are in debt with and negotiate a way to pay, be it loans or additional work, or a change in payments.
What are options with a bill collector?
A bill collector may reduce the debt you owe or offer you a lower percentage rate. Usually you can work with them and pay off your debt for a percentage of that debt.
Can the repo company harass you at work to try to locate the vehicle?
No, look up the Fair Debt Collection Act its online.
If you have have credit card debt charged off from your credit report and a collection agency then buys the debt is it legal for them to harass you by phone at work and home How can I stop this?
The collection agency does have a right to contact you and try to collect, but they do NOT have the right to harass you. Third party debt collection agencies are governed by a law known as the Fair Debt Collections Practices Act. This act places many restrictions on what these debt collectors can do. However, since most consumers do not understand their rights, they are routinely abused. If you want to stop the harassment, send the collection agency a (preferably certified) letter (and be sure to keep a copy for your records) stating that you want them to contact you by U.S. mail ONLY. Upon receipt of the letter, it will be illegal for them to continue calling your work and home. There are also limits on what times during the day a collector can call you, as well as restrictions on how many times a collector can call you per week. If they are already violating your rights, you may be able to sue them for monetary damages and no longer be liable for the debt. Check out the information on the act below, and contact an attorney if you feel you need legal advice or representation.
Can an employer ask an employee's debt collector to stop calling?
Yes. In fact, it is a violation of the federal Fair Debt Collection Practices Act for a debt collector to contact you at work if your employer disapproves and they are informed of this fact by you or your employer. You or the employee can tell the debt collector to stop. Simply interrupt him and say, "This is my work number. Do not call me here again." And then hang up. 99% of the time, that will take care of it.
Can a debt collector continue to call after you file bankruptcy?
No, not as long as they were included in the bankruptcy. You should give their information to your bankruptcy attorney, who will contact the debt collector. If that doesn't work, your attorney will certainly know what to do next.
You talked to a debt collector and promised to pay should you still pay?
Technically, ANY debt should be paid. If you owe it, then you owe it! If you need more time to get a payment to them, you can call and make arrangements. They will normally work with you. Once its with a debt collector, your already in trouble.....it wont get better by ignoring it
You work for a business which has a debt collector calling for an unpaid debt The collector keeps giving you information about the debt but you tell her you are an employee Is this legal?
Federal law, and most State laws forbid giving any information about a debt to anyone other than the debtor, or the debtors spouse in some States. The person who works with you could file a complaint with the FTC and possibly sue through a consumer rights attorney for violation of the Fair Debt Collection Practices Act. Of course, your testimony as to what information the debt collector gave you about them would be helpful.
Can a creditor call you at work in Maryland?
Debt collectors can contact people at their place of employment until that person request the agency/collector cease from doing so. Once the debtor has told a creditor/collector to no longer contact them at work the collector must do so. If after notice a collector continues such action they are in violation of the FDCPA and should be reported.
What do debt collectors make?
You should first define "debt collector." Do you mean a collection agency or its employees? If you mean an employee of a debt collector, the answer varies depending upon the region. In the New York City metropolitan area about 98% of debt collectors who work for law firms make from about $550 a week to $1,000 a week. The average is about $700 per week. Debt collectors who work for collection agencies make less on the average. This is a hard, ugly job. I recommend you try to find something else!
Can a debt collector show up at your work?
There are no laws that would disallow one from showing up at your work, however its more common for a repossession agent which is not considered a "debt collector"I would say that if a "debt collector" showed up at your job, they would still be required to the restrictions under the Fair Debt Collections Practices Act, unless this was a debt owned by a business, which would not allow them to:Use any form of badge or attempt to appear as a law enforcement or government agent.Clothing could not include anything that would idenitfy them as a "collector"Would not be allowed to identify himself to your employer or other employees as a "collector" or there to "collect" a debtMust not have acted in any manner that you considered to be threateningIs not permitted to carry a weapon, even if they have a license to carry one.So if he showed up looking like Dog the Bill Hunter then I would have called the police and then a FDCPA attorney.
Credit Card Debt Collection Laws?
Credit cards are unsecured debts; your creditor can't take away any of your property if you fail to pay the debt back in accordance with your card agreement. Your creditor can sell the debt to a collections agency or sue you to recover the debt. Creditors and debt collectors can't engage in underhanded or violent tactics to get you to pay your debts. If you owe money to credit card companies, you should become familiar with your rights. The Fair Debt Collection Practices Act limits the power of debt collectors. Collectors must not harass or intimidate debtors into paying debts, and must inform debtors of their rights upon first contact. Debt collectors must announce themselves; they must begin the call by telling the debtor what company they are from and that they are attempting to collect a debt. The debtor can then tell the debt collector not to call them anymore and the collector must oblige; however, the collector may still contact the debtor to inform him of upcoming litigation surrounding the debt. Debtors may also ask the debt collector not to call them at work. Debt collectors are also limited as to how often, and when, they may call debtors. Debt collection calls may only take place between 9 a.m. and 9 p.m; calls are not allowed at times when it's reasonable to assume a debtor may be in bed. There's no firm rule on frequency of calls, but debt collectors may not call so frequently that it becomes harassment. Debt collectors also may not discuss the debt with anyone other than the debtor. If a debt collector speaks to friends or family of the debtor, he is limited only to asking for a contact number or address for the debtor. Debt collectors may not use intimidation techniques to coerce debtors into paying debts. They may not threaten violence against the debtor and may not verbally abuse the debtor; cursing at the debtor, yelling at her or calling her names are forbidden. Debt collectors also may not make threats that they don't have the power to carry out. For example, a collector may state that his office is going to sue to recover the debt if the office plans to carry out such a threat. However, the collector may not state that the debtor will lose his home due to credit card debt. If a debt collector violates any of the provisions of the Fair Debt Collection Act, the debtor has a right to file a complaint against him with the Federal Trade Commission. In some cases, debtors may sue debt collectors for damages related to violations of this act. Debtors should also contact an attorney if they have any questions about their rights regarding credit card debt, if they are considering filing bankruptcy or if they receive a notice of a lawsuit against them by a creditor or collections agency.
Can a debt collector take your vehicle in Alabama?
Yes However if you can prove to a court that it is necessary for your life and you can't work and live without it (ie you will die without it) then you can prevent it
