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At one point or another most people run into a situation in which they have to deal with a collection agency for a past debt. Whether this is due to an inability to pay, forgetting about the debt or a misunderstanding on a debt that was paid, this can be a very sensitive issue for some people. Most collection agencies can help you set up arrangements to pay your debt or are willing to investigate a paid debt that was overlooked for you. A set of rules called the Fair Debt Collections Practices Act has been set up by the federal government to set guidelines on tactics and legal abilities collection agencies have when collecting a debt for another party. Some collection agencies go outside of these guidelines to try to put pressure on the debtor just to earn credit for their company. This is an illegal act and there are ways to report these collection agencies.
1. If you feel that you have been a victim of an illegal collection agency action, visit http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf. Read through the rules and regulations of the Fair Debt Collections Practices Act to see if the company acted illegally.
2. Make sure that you have a solid written log record of every call that the agency made to you, your action and any other correspondence that was made concerning this company. Keep in mind that it is important to keep accurate records in the event that your case must go to court. The collection agency will also have solid proof to try to prove you wrong.
3. Make sure that you make it clear to a collection agency that you wish for their calls to stop. They must note this and respect your wishes. It is also very pertinent for you to document any event in which a collection agency makes an attempt to contact you and discusses your case with anyone other then yourself, spouse or other responsible party to this case.
4. Contact an attorney that specializes in collection agency harassment cases. They will be able to advise you on any of the laws and practices that were both legal and illegal. Many attorneys will ask you what your desired outcome is. This includes just having the agency stop harassing you or do you wish to collect monetary damages that you feel this has caused you.
5. You should contact the Federal Trades Commission to file a formal complaint against the collection agency. Their address is Trade Commission:
Consumer Response Center
600 Pennsylvania Avenue, NW
Washington, DC 20580
The Federal Trades Commission cannot file a case on your behalf, but they do make complaints and keep a running record of all illegal acts against specific companies. A company that is repeatedly reported is formally investigated and the investigation can result in either criminal or civil punishments.
What else can I help you with?
When was Commission for Public Complaints Against the RCMP created?
Commission for Public Complaints Against the RCMP was created in 1988.
Are there complaints against CR Property Group Real Estate?
yes complaints
How do we file a case Against Gambling?
File complaints and serving legal suites against casino operators can be done in multiple ways. The Nevada Gaming Control Board and the New Jersey Gaming Control Commission are regulatory agencies for those states. Civil complaints needing suit may require the services through retaining an attorney.
Can an unpaid balance on auto insurance effect your credit?
Unpaid balances owed to insurance companies will be sent to collection agencies and will count against your credit.
In cases where there are complaints against the bank employees and the board of directors where will you file your complaints?
the supreme court
Does HR have to investigate complaints?
No HR does not have to investigate complaints. However that failure could be held against them.
Where do you file a complaint against a doctors office?
That depends on the complaint. Unlawful discrimination complaints - EEOC or state human rights agency. Safety complaints - OSHA. Union law violations - NLRB. WHistleblowing about financial or product violations - avariety of agencies.
Are there any complaints against Standard Mutual Insurance Co?
There are many complaints against Standard Mutual Insurance Company. However, there are many complaints against all insurance companies. This company seems to have more negative press than some. Use with caution.
What are your rights against bill collector callers who do not identify themselves hang up and threaten to sue?
Collection agencies are governed by federal and state laws. Debtors are given protection under the Federal FDCPA. A collection agency cannot "threaten" you with anything. They can inform you that your account may be referred to a collection attorney and legal action may be initated. Please familarize yourself with the laws pertaining to collection agencies. Be advised, that some of the laws do not apply to the original creditor.
Is there any legal complaints against American equity investment life insurance company?
Yes, there are many legal complaints against American Equity Investment Life Insurance Company. Most of the legal complaints touch on compensation.
Are collection agencies allowed to ask for your 401K earnings?
Collection agencies can't just waltz in and demand your 401K earnings like it's a free buffet. They can't touch that money unless you owe the IRS or have a court judgment against you. So, unless you've really messed up, your retirement fund is safe from those vultures.
Am i responsible for my spouse's credit card debt after they die in the state of Ohio?
Only in certain instances. If your name on the credit card debt? For instance, is it a joint account? If so, you are liable for it. If not, you are not legally liable for it. Some sneaky collection agencies will try to tell you that you are liable when you are not. This is illegal. Learn your rights against collection agencies by reading up on the FDCPA.
