Debt Collectors At Your Service
In 1978, Congress passed the Fair Debt Collections Practices Act (FDCPA). That act prohibited debt collectors from engaging in harassing and abusive conduct in order to collect debts.
The credit repair company will have to follow certain laws such as state, local and federal laws like the Fair Credit Reporting Act, Fair Debt Collection Software Practices Act and the Fair Credit Billing Act and help protect people from being scammed by companies claiming to offer such services.
What can you expect from debt settlement online with a debt relief company? The most crucial is the negotiation skills that they will bring to the table as they represent you to your creditor. With this, you can look forward to a major reduction of your debt. They should take over and deal with the Collection Software agents and for them to stop calling up on you. Another is the new payment terms. There will be a new paying period in which you should be able to pay the amount that is agreed through the negotiation. This should be fully paid up within the period so that your credit rating will be re-adjusted. This is something that you can look forward to in a debt-free post debt relief period.
Wrong! First, I'll explain calling your work. Unless your company has a policy against personal calls at work or you have specifically asked them not to call you at work they can call you there. Even if you ask them not to call or your company has a policy they are still allowed to call your work. But now that the debt collector knows they can't make a personal call to your work so they can't try to collect a debt. The only reason they are allowed to call is for business purposes not to collect a debt so if they want to verify your employment in regards to a wage garnishment they are still allowed to do that.
One of the first thing you will notice is how popular you are if you do not contact the creditor right from the start. You will probably find your phone ringing off the hook in a very short while.
Let's move on to cell phones. Whether a collection agency can call your cell phone is based on how they acquire your cell phone number. Let me explain. If you tell a debt collector not to call your cell phone they will continue to call it. Unless they acquired your number in another way then from the client they got the debt from (who you originally owed). So if a family member gives them your cell phone number they are "supposed" to stop calling it. The problem with this is that there is no real way to prove that they didn't get it from their client unless you just got the number so they are probably going to continue to call it. You can send them a "cease and desist" letter and by federal law they will not be able to contact you on your cell phone or any other number.
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