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Fair debt collection rules stated under FDCPA

According to Fair Debt Collection Practices Act, every debtor should collect debts by fair and lawful means.

The debt collection rules are as follows:

  • Debt collectors must not harass, oppress or abuse anyone.
  • Debt collectors must not use threats or harm the person, his property or his reputation.
  • Publication of a list of consumers who refuse to pay their debts is prohibited (except to a credit bureau).
  • Usage of obscene or profane language on a person or over the telephone is against the law.
  • Repetitive telephone calls to harass the person are also not allowed.
  • Call up people without identifying them in public and without advertising about your debt.
  • Debt collectors should not use any false statements when collecting a debt.
  • Debt collectors may not falsely imply that they are attorneys or government representatives.
  • They cannot falsely imply that you have committed a crime.
  • They are not allowed to falsely represent that they operate or work for a credit bureau.
  • They are not allowed to misrepresent the amount of your debt.
  • They cannot misrepresent the involvement of an attorney in collecting a debt.
  • They cannot indicate that papers being sent to you are legal forms when they are not and vice-versa.
  • They cannot threaten that you will be arrested if you do not pay your debt.
  • They are not allowed to seize, garnish, attach or sell your property or wages.
  • They cannot state that they will take actions, such as a lawsuit, which legally may not be taken.

The law may protect you from debt collectors but not from debts. When you have taken a loan, you are bound to repay it. Debt Consolidation is the solution to your entire financial problem. We will help you to get rid off debts very easily and smoothly. We will assist you in repaying your loans in the fastest, smoothest and safest way.

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do you know how i can get a company in trouble for...
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do you know how i can get a company in trouble for breaking this consumer protection act???




Hi Natalie

Welcome to the forums. I would suggest you to contact the Federal Trade Commission, Bureau of Consumer Protection, Office of Consumer & Business Education Washington, DC 20580. Phone number - (202) 326-3650.

Please request them to send a brochure about the consumer rights which will give you an overview under the federal law.

You can also contact your state Attorney General Consumer Protection Office to see what laws are prevalent in your state to safeguard the interest of the consumers.

Regards
Roxette

Sub: #1 posted on Thu, 06/30/2005 - 11:22

roxette roxette

(Posts: 4009 | Credits: 559.9)

QUESTION IN REGARD TO REQUIRED A VALIDATION NOTCE

Sub: #2 posted on Mon, 11/10/2008 - 11:34

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See Sec 809 of the fdcpa

Sub: #3 posted on Mon, 11/10/2008 - 11:38

NASCAR_Devil NASCAR_Devil
Moderators Cum Industry Expert
(Posts: 4666 | Credits: 308.23)

I received a letter from an attorney stating I am delinquent with my condo association fees, but the condo has accepted payments which are not accounted for in the collection letter. I would like to send a debt validation letter to dispute the amount, but I am confused, does the FDCPA apply when a condo association uses an attorney to collect delinquent fees?

Sub: #4 posted on Sun, 02/28/2010 - 13:49

blujeans blujeans

(Posts: 31 | Credits: 9.49)

Quote:
Originally Posted byblujeans
I received a letter from an attorney stating I am delinquent with my condo association fees, but the condo has accepted payments which are not accounted for in the collection letter. I would like to send a debt validation letter to dispute the amount, but I am confused, does the FDCPA apply when a condo association uses an attorney to collect delinquent fees?

That would be a third party collector, I would say yes.

Sub: #5 posted on Sun, 02/28/2010 - 16:57

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17342 | Credits: 1592.83)

Yes, as far as my knowledge is concerned, the FDCPA applies.

Sub: #6 posted on Mon, 03/01/2010 - 00:25

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