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The effect of a dispute depends on how soon you dispute the debt with the debt collector. Any debt collector who contacts you claiming you owe payment on a debt is required by law to tell you certain information about ...
No. Under federal law, a debt collector may contact other people but generally only to find out where you live, what your phone number is, and where you work. Debt collectors are generally prohibited from contacting people you know more ...
The Fair Debt Collection Practices Act (FDCPA) says debt collectors may not harass, oppress, or abuse you or any other people they contact. Some examples of harassment are: Repetitious phone calls that are intended to annoy, abuse, or harass you ...
Yes. There are both federal and state laws that govern debt collection practices. The Fair Debt Collection Practices Act (FDCPA) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair ...
No. Debt collectors may not harass you or anyone else, over the phone or through any other form of contact. Debt collectors cannot call you at times they know are inconvenient (or should know are inconvenient), such as before 8 a.m. ...
Any debt collector who contacts you claiming you owe payment on a debt is required by law to tell you certain information about the debt. That information includes the name of the creditor, the amount owed, and how you can ...
No. Debt collectors are prohibited from deceiving you while trying to collect a debt. For example, a debt collector may not: Falsely claim that the debt collector or its employees are attorneys or government representatives Falsely say you have committed ...
If you default on a federal student loan, a third-party collection agency may attempt to locate you and collect payments from you. Generally speaking, you have three options when dealing with the collector on a federal student loan: 1. Rehabilitation. Rehabilitation means ...
If you are sued, you should respond to the lawsuit. You can respond personally or through an attorney, but you must do so by the date specified in the court papers. When you answer the lawsuit, the debt collector will ...
Yes. If you owe money on more than one debt with a debt collector, you can direct the debt collector to apply any payment you make to the debt you choose. Any debt collector who contacts you claiming you owe ...
