Debt collector may not call you at work Victoria Advocate
By Richard Alderman Originally published May 12, 2012 at midnight, updated May 12, 2012 at midnightI have a debt collector calling me at work. I have told him that my employer prohibits such calls, and I could lose my job. His answer was, "Then you better pay me, because I am not going to stop calling you." How can I stop these calls?
Under a federal law, called the Fair Debt Collection Practices Act, it is unlawful for a debt collector to call you at work once he knows your employer prohibits such calls. If the debt collector continues to call, you would have a claim for damages and penalties.
I suggest you let the debt collector know you know about this law, and if he doesn't stop you will immediately contact the Federal Trade Commission and a private attorney. My guess is that will end the calls.
I buy lottery tickets every week. If I win the lottery, does my spouse have any interest in the money I win?
Assuming you purchased the ticket with money you earned while you were married, the lottery winnings would be considered community property, jointly owned by you and your spouse. The only exception would be if you have a premarital agreement saying otherwise.
Fair Debt Collection Practices Act (FDCPA)
toddmurraylaw.com How the Fair Debt Collection Practices Act, or FDCPA, protects people from debt collection harassment and abuse. The Todd Murray ...
Who enforces fair debt collection practices act?
Who would I write to to enforce the Fair Debt Collection Practices Act in California. If I do not want to hire an attorney?
California
Attorney General's Collection Agencies Guide
www.ag.ca.gov/consumers/general/collection_agencies10.htm
What constitutes harassment under the Fair Debt Collection Act? How often can credit cards call you a day?
I am being driven crazy by calls from one particular creditor - and I'm only 10 days late w/ my payment!! Help? Is there something that I can do? I live in New York.
This is a first party credit card, not a collections agency. thanks!
You have to REQUEST that they not call you anymore, unless you agree to a certain date. They can call as often as they want to until you ask them not to. Also watch out for the late charges, and they will probably up your interest rate to the highest they can.
if its 3rd party, your in collections they can only call one time per day with contact. otherwise no contact/message they can call every few hours.
What are some things that creditors can't do according to the "Fair Debt Collection Practices Act"
What are some things that creditors can't do according to the "Fair Debt Collection Practices Act"?
they can't lie about their identity over the phone to complete collection calls.
EDIT: The below post is incorrect on a lot of areas. They can call at work, they can use third partys to leave u messages, they can info you on legal action if it is their right to do so, and they do not have to stop calling you by you asking, it has to be done via mail.
Cannot call you after you've asked them to stop.
Cannot call you repeatedly.
Cannot call you at work.
Cannot call you if you're represented by a lawyer.
Cannot call you if you've sent them a letter asking for verification of a debt.
Cannot misrepresent or deceive.
Cannot publish your name or address.
Cannot seek unjustified amounts.
Cannot threaten or take legal action.
Cannot use abusive or foul language.
Cannot contact third parties.
Cannot contact you by embarrassing media.
Cannot report false information on your credit report.
Does the Fair Debt Collection Practices Act apply to a business debt?
In other words what I am asking...can a collection agency call your business and tell your employee that you have an outstanding debt that is in collections? How much the debt is for and what year its from?
Is this a violation of the Fair Debt Collection Practices Act?
A debt collector called my wife's mother, ex-step-father, and grandmother and told them he needed to contact her because there were fraudulent charges made on her credit card. Her mother called BS on the guy and took his information, then gave it to my wife.
Is this false representation under Section 807 of the Fair Debt Collection Practices Act?
The practice you describe would seem to be forbidden by 15 U.S.C. 1692e(10): "The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer."
http://www.law.cornell.edu/uscode/html/uscode15/usc_sec_15_00001692---e000-.html
Fair Debt Collection Practices Act related to companies?
Does anybody know if the Fair Debt Collection Practices Act applies to debts incurred/alleged against a company ?
If not, is there a similar act which does apply to company debts ?
No, FDCPA is consumers only.
There is nothing in that realm in U.S. law relating to company debts. However, there may be something in your state law.
Is a private landlord subject to the provisions of the Fair Debt Collection Practices Act?
I'm having a temporary problem paying my rent and I really don't want to deal with the knocking on the door and the phone calls.
What are the most common violations banks commit regarding the Fair debt collection practices act?
Contacting you after you have written to them requesting them to stop contacting you. Or contacting you at work.
California Fair Debt Collection Practices Act be?
Is California Fair Debt Collection Practices Act applicable for people living in California or is it for all the citizens of US? Do explain.
The Fair Credit Debt Collections Practices Act is typically applied nationwide. For some insite on the dos and donts of this Act take a look at http://www.creditmanagementworld.com/legal/fairdebtcollectionact.html
Fair Debt Collection Act?
How long does a debtor have to collect on a debt if they have failed to collect within a certain time? My husband was in Iraq in 2003 and we are just now getting a notice that a debt he charged while overseas is unpaid. Is this too long of a wait or are we liable? He does not recall the debt and does not have a record but its from a legitiment business. Please help. Thanks
in that notice they give you 30 days to challenge that debt. Send a letter asking them to validate the debt, including the original contract signed. Pull his credit to see if it is on the report. Most states have a SOL 6 years after the person became late. You first step needs to be that debs validation letter.. Make sure to send it by a certified letter. If the debt is over 2k you may what to have a attorney send that validation letter. It will cost you around 100 bucks, but if someone is playing a game its nice to have that person on your side. It happend to me before, getting my attorney involved was worth it.
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