Unfair Debt Collection Calls - You can Fight Back

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Unfair Debt Collection Calls - You can Fight Back

Laws exist both on the state and federal levels against unfair practices and tactics used by debt collection agencies. Most of us have heard about the repeated calls and manipulative tactics demonstrated by some unscrupulous collectors. A debt collector cannot threaten or harass you in any way. They cannot contact you at inconvenient times or places, meaning that calls during the night are inappropriate. There are also limits as to who they can communicate with regarding your debt.

Can you stop answering the phone? Some of us can use our caller ID to screen calls, but that's not always the easiest solution. If you have a voice recorder for messages you can wait until a message is in progress as a way to screen your calls, and pick up at that point before any desirable caller hangs up. Any call you have with the collection agency can be recorded, but you need to disclose that the call is being recorded at the beginning of the call. These rules are known as wire-tapping laws.

Collection agencies will try to pressure you to pay, and may threaten actions that are inappropriate. Profane language is not allowed, by law. Take notes of any calls you receive, and include the date and time of these calls and the name of the caller, or their ID number. Collection agencies are not allowed to represent themselves as attorneys. They cannot tell you that you have committed any crime. They cannot imply or tell you that they are a law enforcement agent, or suggest that you could be arrested. Did you know that each violation the collection agency commits can accrue penalties? Make sure you note each and every violation, for you may need this to file a counter-suit and stop the harassing phone calls.

Bad debt costs us dearly, and some attempt to avoid debt they are able to pay. This article is not intended to condone such actions. But even bad debt is no excuse for inappropriate collection tactics.

Article Source: Credit Card Bad Credit People

About the Author

Author Jason L. Montgomery writes tips for knowing your fair credit act rights and credit information.

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Laws exist both on the state and federal levels against unfair practices and tactics used by debt collection agencies. Most of us have heard about the repeated calls and manipulative tactics demonstrated by some unscrupulous collectors. A debt collector cannot threaten or harass you in any way. They cannot contact you at inconvenient times or places, meaning that calls during the night are inappropriate. There are also limits as to who they can communicate with regarding your debt. 
Can you stop answering the phone? Some of us can use our caller ID to screen calls, but that's not always the easiest solution. If you have a voice recorder for messages you can wait until a message is in progress as a way to screen your calls, and pick up at that point before any desirable caller hangs up. Any call you have with the collection agency can be recorded, but you need to disclose that the call is being recorded at the beginning of the call. These rules are known as wire-tapping laws. 
Collection agencies will try to pressure you to pay, and may threaten actions that are inappropriate. Profane language is not allowed, by law. Take notes of any calls you receive, and include the date and time of these calls and the name of the caller, or their ID number.  Collection agencies are not allowed to represent themselves as attorneys. They cannot tell you that you have committed any crime. They cannot imply or tell you that they are a law enforcement agent, or suggest that you could be arrested. Did you know that each violation the collection agency commits can accrue penalties? Make sure you note each and every violation, for you may need this to file a counter-suit and stop the harassing phone calls. 
Bad debt costs us dearly, and some attempt to avoid debt they are able to pay. This article is not intended to condone such actions. But even bad debt is no excuse for inappropriate collection tactics. Article Source: <a href="http://www.allbestarticles.com" target="_blank">Credit Card Bad Credit People</a> About the Author: Author Jason L. Montgomery writes tips for knowing your <a href="http://credit-card.iamsuccessfultoo.com">fair credit act rights</a> and <a href="http://yylawyer.com">credit information</a>.