Is it legal for a debt collector to come to your home?

Can a debt collector legally come to my home or workplace?

Can a loan company come to your home to collect payment? Personal Loan...

Is it legal for Home Depot to contact landlords or neighbors to tell them that you owe Home Depot money and they are looking for you?

No it's not, but keep in mind this is probably not the home depot, I'm assuming you mean you owe money via the home depot credit card, then this is actually citi bank and that is your typical debt collector. Still it's no legal but it's become very common for debt collectors to do things like this. NO

Can a payday loan company come to your home?

No. A payday lender has no right to come to your home to collect a debt. If ANYBODY comes to your home to collect a debt, you should inform them that (1) they are breaking the law (FDCPA) and (2) document the situation (with a photo or a clearly written description of what happened). The next step is to retain an attorney in order to take advantage of the debt collector's mistake. Your attorney will be able to guide you from there.

Can a bill collector come to your home?

Yes In Sicily they come to break fingers?

If a house is owned by a husband and wife and only one person owes a debt can a collector place a lien on the home?

If the property is owned by the husband and wife as tenants by the entirety a lien for the debt of one will not affect the property.

How do you protect your mobile home from debt collectors?

Pay your debts, or at least come to an agreement.

If you have have credit card debt charged off from your credit report and a collection agency then buys the debt is it legal for them to harass you by phone at work and home How can I stop this?

The collection agency does have a right to contact you and try to collect, but they do NOT have the right to harass you. Third party debt collection agencies are governed by a law known as the Fair Debt Collections Practices Act. This act places many restrictions on what these debt collectors can do. However, since most consumers do not understand their rights, they are routinely abused. If you want to stop the harassment, send the collection agency a (preferably certified) letter (and be sure to keep a copy for your records) stating that you want them to contact you by U.S. mail ONLY. Upon receipt of the letter, it will be illegal for them to continue calling your work and home. There are also limits on what times during the day a collector can call you, as well as restrictions on how many times a collector can call you per week. If they are already violating your rights, you may be able to sue them for monetary damages and no longer be liable for the debt. Check out the information on the act below, and contact an attorney if you feel you need legal advice or representation.

Do you have to pay if you cosigned on a home loan?

A co-signer shares legal responsibility for the debt with the signer. The debt can be reported on your credit, as can any late payments or foreclosures. Any legal action taken can and probably will include any and all co-signers should the loan default.

Is a home mortgage debt considered a federal debt?

No. A federal debt is a debt that is owned to the federal government. A home mortgage is a debt that is owed to the lending agency, be it a bank, a mortgage company, etc.

Would a creditor come to your home country of Indonesia and sue you if you have 30k in debt from the US?

He doesn't need to come to your home country. The creditor only has to petition the US court, get a judgment against you and send you notification of such.

Understanding How the Fair Debt Collection Practices Act Protects Consumers?

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.

Can you execute a quitclaim deed transfer on a home in foreclosure?

No, you can't. You would cause additional legal problems for yourself, the bank would incur more costs and your debt would grow. You can not release yourself from the responsibility of the debt and can not assign the debt to others simply by executing a quitclaim deed.