Debt Collector Laws
Know The Debt Collector Laws And Protect Yourself From Harassing Debt Collectors
Debt collector laws have been passed to protect you from annoying debt collector harassment and threats.
You don't have to put up with your phone ringing at all hours and listening to a rude, intimidating voice when you answer. And a barrage of letters that threaten immediate legal action can jangle anyone's nerves.
Thankfully, there are guidelines and techniques available to help.
For instance, in most jurisdictions collectors cannot contact you during certain hours, usually before 8 am or after 9 pm, nor can they call you at your place of employment if they are made aware that your employer doesn't okay it. And in most places, they must honor your written request to stop further contact.
Bottom line: Debt collection agencies are not permitted to harass you or use unfair practices when trying to collect a debt. They must follow the debt collector rules.
For your own protection and peace of mind, know the rules. Study them. They are readily available for reading on the Internet.
American Debt Collection LawsThe Fair Debt Collection Practices Act (FDCPA) establishes a number of rules and guidelines to prohibit abusive practices by aggressive debt collectors in the United States. The Act sets out what collectors may or may not legally do in their efforts to collect a bad debt. Visit the Federal Trade Commission's website to read the full text of the FDCPA online or download a printable PDF version.
View The Fair Debt Collection Practices Act
Canadian Debt Collection LawsThe website of Canada's Office of Consumer Affairs provides helpful tips and information on how to deal with collection agencies.
Visit The Office Of Consumer Affairs Website
Also, the "Canadian Consumer Handbook" offers numerous consumer tips and helpful advice on how to deal with aggressive debt collectors. The Consumer Handbook also contains lots of other useful consumer information of interest to anyone.
Read the FREE HANDBOOK online or download a printable PDF version.
Get Your Free Canadian Consumer Handbook
Debt Collection Laws In Other CountriesMost developed nations have established legal guidelines for debt collection. A quick Web search on Google should turn up information on your country's rules for dealing with debt collection agencies.
Debt Collectors And Your RightsKnowing the debt collector laws and your rights under those laws will prevent you from being treated unfairly while paying off your debt and restoring your credit.
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