Pay your debts, or at least come to an agreement.
Credit cards are unsecured debts; your creditor can't take away any of your property if you fail to pay the debt back in accordance with your card agreement. Your creditor can sell the debt to a collections agency or sue you to recover the debt. Creditors and debt collectors can't engage in underhanded or violent tactics to get you to pay your debts. If you owe money to credit card companies, you should become familiar with your rights. The Fair Debt Collection Practices Act limits the power of debt collectors. Collectors must not harass or intimidate debtors into paying debts, and must inform debtors of their rights upon first contact. Debt collectors must announce themselves; they must begin the call by telling the debtor what company they are from and that they are attempting to collect a debt. The debtor can then tell the debt collector not to call them anymore and the collector must oblige; however, the collector may still contact the debtor to inform him of upcoming litigation surrounding the debt. Debtors may also ask the debt collector not to call them at work. Debt collectors are also limited as to how often, and when, they may call debtors. Debt collection calls may only take place between 9 a.m. and 9 p.m; calls are not allowed at times when it's reasonable to assume a debtor may be in bed. There's no firm rule on frequency of calls, but debt collectors may not call so frequently that it becomes harassment. Debt collectors also may not discuss the debt with anyone other than the debtor. If a debt collector speaks to friends or family of the debtor, he is limited only to asking for a contact number or address for the debtor. Debt collectors may not use intimidation techniques to coerce debtors into paying debts. They may not threaten violence against the debtor and may not verbally abuse the debtor; cursing at the debtor, yelling at her or calling her names are forbidden. Debt collectors also may not make threats that they don't have the power to carry out. For example, a collector may state that his office is going to sue to recover the debt if the office plans to carry out such a threat. However, the collector may not state that the debtor will lose his home due to credit card debt. If a debt collector violates any of the provisions of the Fair Debt Collection Act, the debtor has a right to file a complaint against him with the Federal Trade Commission. In some cases, debtors may sue debt collectors for damages related to violations of this act. Debtors should also contact an attorney if they have any questions about their rights regarding credit card debt, if they are considering filing bankruptcy or if they receive a notice of a lawsuit against them by a creditor or collections agency.
Sundays family day!
The Fair Debt Collection Practices Act (FDCPA) was first enacted in 1977 to protect consumers against certain debt collection tactics. This goal of the FDCPA is to keep debt collectors from deceiving, harassing or taking advantage of consumers. While this law does not cover business debts, it does cover all personal debts, like credit card debt, medical bills and auto debt.What Debt Collectors Are Forbidden to Do Under the Fair Debt Collection Practices ActUnder the FDCPA, debt collectors must send consumers a written letter within five days of first initiating contact by telephone. This letter must contain specific information, including the balance of the debt, who is currently pursuing the debt, and the original creditor. The initial letter must also let the consumer know that he or she has 30 days to dispute the debt or request validation.The FDCPA also prohibits when and how a debt collector may attempt to collect a debt. Debt collectors are allowed to send written correspondence, call, or visit a person's home or place of employment. Phone calls and visits must be limited to the hours between 8 a.m. and 9 p.m. However, debtors can forbid debt collectors from contacting them at work if it puts their job in danger. Collectors who ignore such a request are violating the FDCPA.Debt collectors are also prohibited from threatening or harassing consumers. A debt collector cannot threaten a debtor physically or threaten to tell others about the debt. Collectors may not use offensive language, lie or contact a consumer excessively. Calling several times a day is generally considered excessive.How Consumers Can Fight Back Against Debt Collectors Who Violate Their RightsIf a debt collector has violated the terms of the FDCPA, consumers can take action. Debt collectors that violate the law can be sued within one year of committing the illegal action. Consumers who intend to sue a debt collector might need to seek legal representation to help them prepare their case.If the consumer wins the case, he or she may receive up to $1,000 to cover lost wages or other expenses. The debt collector will also be forced to reimburse the consumer's court costs and legal fees. While this will not void the consumer's debt, it should help the consumer repay the delinquent amount.
operation hours on Sundays is 7 to 6
Debt prior to marriage should not be transferred, but any debt from the marriage is still your responsibility if she fails to pay.
Yes, it would be normal to invoice the consumer by mail several times before passing the debt to the debt collectors. However, have they got your address correct?, has the mail gone missing?, has someone at home been hiding the bills?. If you are in difficulty (at least in the UK) you should seek (free) help from the Citizens Advice Bureau about how to deal with the dept. Note also that when a dept is passed to collectors they begin adding their charges on top - it is how they make their money!.
Perhaps. The question is somewhat vague in the sense that there is some confusion about how you are related to the debt collectors, as you mentioned relatives. If debt collectors are harassing you over a debt that is not yours, and they are just hounding you because you are a relative of the person or people with whom they have an issue, they cannot pursue you by virtue of your relationship with the people who have the debt. If it is not your debt, I cannot imagine why they would want to speak with you. But quite simply, if you have instructed them to stop, to leave you alone, and they are aware that you are not the person in debt to them, continued harassment (calling, threats, posturing) borders on "predatory debt collection practices" which can, in some instances, be in violation of federal law. Next time they call, tell them the following, "As provided by the Fair Debt Collections Practices Act, I am advising you not to try to contact me in any way at my place of employment or at my home." If after letting them know that you are fed up and they call again, make sure you get names, numbers, document the time, the content of the conversation, and you will have yourself a solid cause of action to bring suit against whomever they are.
Yes dept collectors can do anything as long as you let them. Google "How to stop Debt Collectors" and you will find Fair Debt Collection Practices Act and Fair Credit Reporting Act. These are powerful Laws which I suggest you review and learn them thoroughly. Then you will see how they violate your civil rights in so many ways. Some can even be criminal offenses. It is very rare the proper authorities will do anything about it, though. It is up to you alone when you have decided you have had enough of the harassment, phone calls, threats, default judgments and garnishments if you want to stop being a Sheeple and do something about it. More and more people these days are doing just that and they don't need a lawyer to do it, either.
It opens at 7am and closes at 6pm on Sundays
With the ability to access private information from almost any source. They probably could find your whereabouts. Their ability to take any action is not likely. Only the laws of the country where the debt is incurred apply.
There is a home phone module invented by an attorney that is named DAAN. Once you plug it into your home phone jack; simply answer the calls and push the star* key and hang-up. If you would like more information you can find it here. http://www.creditalliancegroup.net/daan.html Hope this helps. >>>>You may stop all collection calls from debt collectors by informing them that their calls are inconvenient. In fact, you may simply inform them that all telephone calls to any telephone number regarding this debt are inconvenient. A verbal notice may work sometimes, but many debt collectors will continue to call until a written demand is received. For more information, you may find out about your rights under the Fair Debt Collection Practices Act.