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The Fair Debt Collection Practices Act (FDCPA) protects you against harassment from a debt collector, and your state may have additional laws governing what collection agencies can, and cannot do. To find out about laws in your own state, contact your state’s attorney general.

 

Under the Fair Debt Collection Practices Act, a debt collector is defined as anyone who collects debts on a regular basis. This does include attorneys, but only if they do so on a regular basis.

 

Debt collectors may pursue you for personal, family, and household debts. If your business structure is set up so that you are personally liable for debts, a debt collector may pursue you personally for repayment.

 

How a Debt May Collector Contact You

As long as the times or places are not “inconvenient” or excessive, a debt collector may contact you by:

 

• Telephone

• Fax

• Telegram

• Mail

• Email

A debt collected can also contact you in person, or by any other means to times that you have agreed to.

Is a Debt Collector Allowed to Contact You at Work?

 

A debt collector can only contact you at work only if your employer approves, otherwise, you can simply say that you are not permitted personal calls at work.

 

Is a Debt Collector Allowed to Contact Anyone Else About Your Debt?

 

If you ask a debt collector to contact an attorney on your behalf, they may not contact you again. If you do not have an attorney, a collector may contact other people only to:

 

• Ask your phone number, and

• Where you work.

Debt collectors can only contact third parties to ask information about one time. In most states, collectors may not tell anyone that you owe money, or lie about who they are or why they are calling.

 

Article Source: Lahle Wolfe – www.about.com

 

Call Accounts Retrievable System For More Info at (800) 327-4687