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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 ...
Foreclosure processes differ by state. If you are worried about foreclosure, you should call the CFPB at 1-855-411-CFPB (2372) to be connected with a U.S. Department of Housing and Urban Development (HUD)-approved housing counselor.Typically, once you fall three months behind ...
Keep all the documents, voicemails, and records of your interactions with the dealer or lender. If your problem is with a lender or a Buy Here Pay Here dealer, you may file a complaint with the CFPB and your state ...
A statute of limitations is the limited period of time creditors or debt collectors have to file a lawsuit to recover a debt. These periods of time can be two years or longer; the period of time varies by state ...
You have the same rights under the Fair Debt Collection Practices Act that civilians do. 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 ...
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 ...
Call the CFPB at 1-855-411-CFPB (2372) to be connected to a U.S. Department of Housing and Urban Development (HUD)-approved housing counselor today. You may also have additional rights under state law. If you believe you are in need of an ...
No. If the debt collector knows that an attorney is representing you about the debt, the debt collector must contact your attorney and cannot contact you. This is only true if the debt collector knows, or can easily find out, ...
If you have already paid the debt, you are not required to do anything. If you choose to, you may provide the debt collector with confirmation of your payments (such as copies of cancelled checks or credit card statements) and ...
No. If you have filed for bankruptcy, a debt collector cannot try to collect debts included in the bankruptcy. Also, if you file for bankruptcy, debt collectors are not allowed to continue collection activities while the bankruptcy case is in ...
