In the event you owe cash to a debt assortment agency or http://edition.cnn.com/search/?text=애니멀고 debt collector, you have to know whatever they can and can't do in an effort to gather monies owed to them. You have an obligation to pay Everything you owe, along with the personal debt collectors have an obligation to Keep to the regulation and not harass you at home or at get the job done.
The Honest Financial debt Assortment Practices Act relates to people who acquire debts owed to creditors for personal, loved ones and home debts. These involve auto loans, home loans, charge accounts and revenue owed for health-related charges. A credit card debt collector is anyone hired to collect money you owe.
In just five days after a financial debt collector initially contacts you, the collector need to ship you a recognize that tells you the title of your creditor, the amount you owe, and what motion to get if you believe you don’t owe The cash.
In the event you owe The cash or A part of it, Get in touch with the creditor to arrange for payment.
If you think you don’t owe the money, Make contact with the creditor in composing and mail a copy to the collection company having a letter telling them not to Call you. A debt collector might not:
Get hold of you at unreasonable situations, for example, before eight a.m. or after nine p.m., Except if you concur;
Speak to you at do the job in the event you inform the personal debt collector your employer disapproves;
Make contact with you after you produce a letter telling them to stopexcept to inform you if the collector or creditor designs to get a selected motion;
Contact your folks, kinfolk, employer or othersexcept to find out where you live and get the job done; GOM
Harass you thru threats to harm you, profane language or recurring phone calls;
Make any Wrong statement, or declare that you will be arrested; or
Threaten to obtain money deducted out of your paycheck or to sue youunless the gathering company or creditor intends to take action and it truly is legal.
You do have a duty to pay back any credit card debt which you owe. Financial debt selection companies also have a obligation to take care of their prospects with respect and Adhere to the law.
In case you are remaining harassed by a credit card debt collection agency, Speak to the authorities and report them.