Debt collector laws are in place to help protect consumers from an abusive or aggressive debt collector. It can be stressful to deal with debt collectors, but both federal and state laws and in place to help keep you protected.
However, the laws do no good if you aren't aware of bill collectors and your rights. If you are dealing with debt collector harassment, it's time to stop collector abuse and you can do that by knowing the laws and reporting any behavior that breaks those laws.
You'll find that the Fair Debt Collection Practices Act is a federal law put into place to stop collector abuse of consumers.
Breaking these debt collection laws can be pricey for collectors as well. If they break the law, they may be required to pay you $1000+ for damages if you sue them. Any attorney fees may have to be paid by them as well if you sue successfully.
Top Tips For Understanding Debt Collector Laws
What Debt Collection Agencies CAN'T Do
You'll find that the laws include a lot of things that aggressive collectors are not allowed to do. Take a closer look to find out about collectors and your rights. Collectors cannot:
Debt Collectors and Your Rights - What Can You Do?
If a collector breaks the collector laws that are in place, it is important that you stop collector abuse by taking action. You can sue collectors that break these laws.
Contacting an attorney is a great idea if you feel that the laws have been broken by aggressive collectors. If the Fair Credit Collection Practices Act has been violated, you have a year to sue the collector, so it's important to seek legal counsel quickly.
Not only should you contact an attorney, but you need to make sure that you report collector harassment to the proper authorities.
This can include the Attorney General in the state that you live in as well as the Federal Trade Commission. Don't allow a collector to get away with breaking debt collector laws.
Harassment needs to stop and you need to do what you can to stop abusive collectors today.
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