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The fair debt collection
practices act protects debtors. There are rules collection agencies have
to abide by when trying to collect money. These rules were established
and are enforced by the fair debt collection practices act.
The first contact a
collection agency makes must be through the mail. This initial demand
letter must be worded a certain way, must be addressed to the debtor
specifically and cannot be threatening. As has to be indicated in the
letter, a reasonable amount of time must be allowed for the debtor’s
reply and only after this time has passed can an agency begin to call.
Their calls have to be made between certain hours of the day and cannot
be threatening or abusive in anyway. If a collection agency fails to
follow any of these rules they can be sued by failure to adhere to the
fair debt collections practices act.
The individual might
owe the bill. Their account might be so delinquent they are risking
bankruptcy, and the collection agency is within its rights to be
calling. Still, no agency can harass a debtor because of the rules
established by the fair debt collection practices act. |
