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Well as with anything about the law it is subjective, and violations are not determined by the complainant (you). If you do feel that your rights have been violated, you should Google FDCPA Attorney and explain them what happen and if they agency did violate your rights they will represent you as you are entitled to get PAID if they did.
What else can I help you with?
Are you notified if a collection agency will garnish your wages?
Yes. This is the law.
What is commercial collection agency?
A Commercial Collection Agency is and agency that collects debt on behalf of their clients, same as a consumer collection agency, but a commercial collection agency collects business to business.
If a second collection agency takes over a unpaid debt can they have that collection put on your report?
Yes the second collection will be placed on the credit report. But they will remove the first collection agency off the report. In some states it is against the law to be double billed by two collection agency for the same debt.
What can you do to stop harassment from a collection agency?
The best way to stop a collection agency from contacting you is to write them to stop collecting you. It really is that simple after you write to them they are required by law to stop calling.
Where do you find a collection agency?
Looking for a Collection Agency, involves to know what type of debt collection service is need it. For Commercial Collections or Consumer Collections it can be found on sites that regulate the collection industry like:The Commercial Law League of America ('CLLA'),ACA InternationalAlso is very important when you choose a Collection Agency look for an agency that is familiar with the collection laws on the state that apply the bad account.
Is the First National Collection Bureau a scam?
The First National Collection Bureau is a legitimate debt collection agency that operates within the boundaries of the law.
Are your rights the same if your credit card debt went to a legal firm and not a collection agency or is a legal firm considered a collection agency?
Yes, a collections law firm, is still defined under the FDCPA as a collector. They are required to follow the same regulations that apply to a regular collection agency.
Can a collection agency check your credit report?
only if they have a permissible purpose outlined by law to do so.
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 a Michigan trail court decide an issue of federal law?
As a matter of law, no. The exception is in cases where a Federal Law is in effect and supersedes a local law. For example if you are sued by a collection agency and the agency violates the Fair Debt Collection Practices act, you could bring that to the attention of the court and absent any other laws, the court could rule in your favor.
Is there a law on when you can send bad debt to collection agency?
Depends on the company usually 120 day or 90 days.
Is it legal for a debt collection agency to discuss your debt with your landlord?
In general, debt collection agencies are required to follow the Fair Debt Collection Practices Act, which prohibits them from discussing your debt with third parties, such as your landlord, without your permission. If a debt collection agency is sharing information about your debt with your landlord without your authorization, they may be violating the law.
