Compare Mortgage Quotes

Refinance Rates for Today

Please enable JavaScript for the best experience.

In the mean time, check out our refinance rates!

Company Loan Type APR Est. Pmt.

Fair debt collection law

Posted on: 02nd Feb, 2007 01:24 pm
can I get some information on actually what the law states, on when debt collector may not communicate with a consumer for collection of debt.
Hi,

Without your prior consent to the debt collector or because of permission from a court, the debt collector can not contact you -

1. At unusual time or place or if it is known to debt collector that any specific time or place where you are contacted would be inconvenient for you.

2. If an attorney represents you with respect to that debt and such representation is known to the debt collector then he can not contact you unless the attorney fails to reply to his communication.

3. The debt collector also can not contact you unless the attorney consents to any such direct communication with you.

Colin
Posted on: 02nd Feb, 2007 01:38 pm
As per Section 805 of Fair Debt Collection Practices Act (FDCPA), the debt collector can not communicate with you at your place of employment if;

* He knows or has reasons to know that your employer prohibits you from receiving any such communication at the work place.
Posted on: 02nd Feb, 2007 01:47 pm
thanks both of you, can the debt collector communicate any one other person other than me for collection?
Posted on: 02nd Feb, 2007 02:04 pm
If you have not given direct consent or if the court gives permission, collector can not communicate with any person other than the creditor, creditor's attorney, his attorney, you or your -
-spouse,
-executor,
-parent (in case you are minor),
-guardian,
-administrator,
-attorney

Thanks,Jeffrey P. McManus
Posted on: 02nd Feb, 2007 02:15 pm
where can one report the problems one faces against a debt collector?
Posted on: 02nd Feb, 2007 02:26 pm
You can report the problems you are facing to Attorney General's Office in your state & FTC. Different states have their individual laws for debt collection and you can get more detailed information from the AG's office on what rights you have.
Posted on: 02nd Feb, 2007 02:31 pm
Page loaded in 0.290 seconds.