Did you know that there are collection agency laws? There are! It’s unfortunate that there is a need for these laws, but we are very lucky that they were created to protect us. These laws are called the Fair Debt Collection Practices Act. These are a godsend to people routinely harassed by a bill collector. I will give you a quick overview to give you a basic idea of what your rights are.
They are not allowed to threaten to arrest you. Unfortunately, there have been cases where this has happened. They will tell you that if you refuse to pay them, they will arrest you or have you arrested. Never panic if they say that to you. That cannot happen, and they are not allowed to tell you that. They are not allowed to verbally abuse you in any way. That includes calling you names, taunting you, or using profanity.
They are not allowed to place false or inaccurate information on your credit report. They are also not allowed to discuss your debt with anyone other than you, your spouse, or your lawyer. For example, they may not call your neighbors to tell them about your debt. This sounds obvious, but this has happened in the past, and it still does! They do this in order to shame you into paying them.
Never talk to a debt collector on the phone, except to tell them that you would like to communicate through mail only. Once you do that, send them a letter stating the same thing. Send it certified with the return receipt requested. You need to do this so that you have proof. It is illegal for them to call you once they get that letter.
So now you know that you are protected from debt collector abuse. To learn the best credit repair tips available, click the links below.