A debtor has the legal right to send a creditor or collector a "cease and desist" letter requesting them to stop all contact with them and their family. The letter should be specific in citing and should include place of business, home, cell phone, relative contact and so forth.
Once the creditor receives the letter they may only contact the debtor to inform the debtor that a major change of status has been made on the account, such as the sale of the account to a third party, a right to cure notice, notification a lawsuit has been filed.
The Fair Debt Collection Practices Act or FDCPA was propounded by the Congress to safeguard the interests of the consumers as they are often harassed by collection agencies.
The FDCPA is a Federal Law meant for the protection of consumers. It encompasses a set of rules governing the activities of collection agencies. The Law also defines the type of information a debt collector is entitled to collect from the debtors. Not only this, the FDCPA also lays the ground for the legal action that can be taken against the the collection agencies.
Ruin your credit rating
Refer account to an Attorney
Garnishment or repossession
Extract money by giving false threats
If you win the lawsuit, you can make claims for recovering damages you suffered due to debt collectors. In addition to this, you can also make claims amounting to USD$1,000.00. Attorney fees and court costs can also be recovered from the debt collectors if it is found that they have violated the FDCPA guidelines.
Whom to contact in case of FDCPA violation?In majority of the cases, debtors who have been harassed by debt collectors report irregularities to the Attorney General of the respective states. You can also approach the Federal Trade Commission or FTC to register your complaintsno.
Under US federal law, they may not do this.
Yes, they can. It would not be appropriate for them to phone your employer and talk to them about it. But they can phone your personal work phone.
Yes. If you give anyone your work phone number they can call you there. It is better just to not give them your number.
Yes
No. It's called harassment and you can call the cops on them.
The best way to fight repossession is to pay your bills on time. If you can't do that call your creditors and see if you can work something out. The sooner you call the better chance you have of keeping your stuff.
Yes, they can call you as many times they want if are not responding them.
Just call da police.
It would threaten them because they have no one to do their work for them then they would have to do their own work by hand and see how they feel.
NOT that I know of. call a local attorney for state specific advice. It's not a threat. Just a warning that IF YOU FORCE THEM TO APPLY FOR A WRIT OF REPLEVNA by refusing to surrender the car, you WILL BE ARRESTED. No! Creditors and/or their representatives cannot threaten to have you arrested or make threats period.
You tell her to give you your money or threaten to call the police. If that doesn't work, call the police.
Unable to answer this question. Define what you mean by "threaten?" Threatening someone with a taped phone call does not sound like a criminal offense, but it could be a violation of civil law.