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ONLY if you let them do it. Call a local attorney now.

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โˆ™ 2015-07-15 18:40:26
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Q: Can the deficiency that you owe on a repossessed car be collected from a collection agency that is violating the Fair Debt Collection Practices Act?
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Related Questions

How can management practices speed the collection of receivables?

How can management practices speed the collection of receivables?


Does law cover commercial collections?

Federal Collection Laws regulate collection laws and practices, for consumer or business debt. Federal Collection Laws are also known as Fair Debt Collection Practices Act (FDCPA)


What agency governs commercial collections?

All Debt Collection Practices are regulated by the FDCPA, Fair Debt Collection Practices Act. The associations that work with the commercial collection agencies are Commercial Collection Law League, Commercial Collection Association, ACA International and some estates have their own associations


What is the fair debt collection Practices act?

The Fair Debt Collection Practices Act is legislation passed by congress to ensure that no person or persons can be abused or harmed in the debt collection process, even if justified.


Can a credit collection agency threaten felony charges?

No it is a violation of the Fair Debt Collection Practices Act


What law prevents collection agencies from collecting post dated cheques?

The law preventing collection agencies from collecting post dated checks is the Fair Debt Collection Practices Act. You can learn more about this at the Wikipedia.


Can a collection agency lie about who they are?

No. In fact, they are required by law to notify you of who they are and that they are attempting to collect a debt. This is covered under the Fair Debt Collection Practices Act (FDCPA).


Can collection agencies request additional money on interest charges after the debt is paid in full?

No, a debt collection company purchases a debt from a creditor. They can try to collect on that debt but may not charge interest on it as they have no contract with you outlining interest charges. If a company is attempting to do that, cite the Fair Debt Collection Practices Act, a federal law, and complain to the Federal trade Commission, which oversees debt collection practices.


What is the statute of limitations for collection of a default judgment on a traffic ticket in Colorado?

That statute of limitations for collection of a default judgement in Colorado is six years. Any person trying to collect after that limit is in violation of the Fair Debt Collection Practices Act.


What is the definition pseudoscience?

A collection of beliefs or practices mistakenly regarded as being based on scientific method.


What was the Fair Debt Collection Act?

It protects the person who owes the debt from harrassing and dunning contacts from creditors.The Federal Debt Collections Practices Act (FDCPA) governs the debt collection practices for personal / individual debt. The FDCPA sets forth a myriad of restrictions regarding the practices Debt Collections may use in their efforts


Does the Fair Debt Collection Practices Act only apply to prejudgment debts?

The FDCPA applies to 3rd party collection agencies. It has little to do with the KIND of debt. It has everything to do with defining the BEHAVIOR of 3rd party collectors.


What happens when a collection agency does not honor a settlement agreement?

If this occurs, then they may have violated the Fair Debt Collection Practices Act, or they may have generally breached a contract with you. If the violate the Fair Debt act, then you have a lawsuit against them.


What is a letter of collection from a collections law firm?

A collection letter from a la firm is the same as a collection letter from any other debt collection agency. The Supreme Court has held that lawyers that participate in the collection of debts are considered "debt collectors" under the Fair Debt Collection Practices Act," and therefore must comply with all of its mandates. That means the correspondence you first receive from them must identify the creditor, the amount of the debt, and advise you of your right to dispute and seek validation ofthe debtwithin the 30 days following the receipt of the letter.


Can a landlord send an ex-tentant to a collection agency for a disputed charge?

Yes, and the tenant can tell the collection agency the charge is disputed, and that could be the last you hear from them. If not, you need to research, follow and educate them on the rules of the Fair Debt Collection Practices Act, such as filing written notice of dispute, etc.


Can a creditor send information to your employer regarding a debt you owe?

No, it is a violation of the Fair Debt Collection Practices Act.


Do you have to say the mini Miranda in California?

Yes, you have to say in every collection call according to the FDCPA (Fair Debt Collection Practices Act), regardless of the state you are calling in. You can take a look here www.fair-debt-collection.com


Collection Agencies?

Collection agencies, their practices, and the rights of both their clients and debtors are often very misunderstood. When a collection agency begins the process of collecting against a debt, it is important that the debtor understand their rights, what is expected of them, as well as how the collection process works. Third party collection agencies are a party that have no real interest in the debt, the creditor, or the debtor. The Fair Debt Collection Practices Act highlights the practices and methods that a third party collection agency may or may not use to secure payment against the debt. Collection agencies are allowed to attempt to make phone contact with a debtor between 7am and 9pm local time. A collection agent cannot reveal the nature of their call to anyone who identifies that they are not the debtor. If asked, however, they must provide the company’s name. Many companies will have their agents abbreviate the company name over the phone to help protect privacy. Once in phone contact with the debtor, the collection agent may make payment arrangements against the debt or they may demand payment in full. A third party collection agent cannot speak to the client directly and may speak only to the debtor, their spouse, parent if the debtor is a minor, or power of attorney. If a debtor does not wish for the collection company to continue calling their home phone, cellular phone, or work telephone, they will need to provide a request in writing to the collection agency asking for the calls to that number or combination of numbers to cease. A collection agent is not allowed to use profane or abusive language when speaking to a debtor and must always identify the nature of the call. If a debtor has already filed or plans to file for bankruptcy and the stated debt will be covered in the proceedings, they should notify the collection agent. If the debtor has an attorney for the matter, the collection agent may ask questions to gather information about how to contact the attorney in the matter.


8 Which organizations provide Guidelines for Debt Collection?

Check out trade associations for the debt collection industry such as American Credit & Collections Association LLC www.credit-and-collections.com and the ACA www.collector.comalso check with the FTC and learn all you can about the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. www.FTC.gov


Can a collection agency call your relatives even if they are not on your list of contacts?

A collection agency can call anyone. The Fair Debt Collection Practices Act indicates that they cannot identify themselves as a collection agency to anyone other than the debtor. Other activities that restrict them include: Sending a postcard or an envelope with a designation that indicates it is from a collection agency, contacting the debtor outside of legal accepted hours of business, publish a list of debtors, or advertise a debt. See the following website for the text of the Fair Debt Collection Act: http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm


Does a collection agency have to provide information about the original creditor in a timely manner?

Yes. They have 30 days from the first time they contact you to get you something in writing. See the Fair Debt Collection Practices Act. If they do not, they are in violation of this Act and can get in a lot of trouble.


Can a repo man chase you while your driving the car?

No. Fair Debt Collection Act prohibits aggressive or abusive debt collection tactics and practices. Chasing somsone in a vehicle is a threat to safety. It may be civily and criminaly negligent.


what is meditcredit?

Medicredit is a collection agency. The company attempts to collect a debt from a debtor. Medicredit also does financing for medical practices.


After a surgery 6 and a half years ago a collection agency is now trying to collect on some unpaid bill that you know nothing about Is there a stutue of limitations on collecting on an old bill?

Yes, there is. There is also US federal protection against unfair credit collection practices, including the requirement that the collection agency provide proof that the claim is valid if you ask them to.


What can a collection agency do if money is owed?

Try following the link http://www.ftc.gov/bcp/conline/pubs/credit/fdc.htm It should answer many of your questions regarding debt collection. If the link doesn't work, check out the Federal Trade Commission's website at www.ftc.gov and search for the Fair Debt Collection Practices Act, which governs what debt collectors can and cannot do.