How to Put an End to Unwanted or Harassing Phone Calls

Fact Sheet 3How to Put an End to Unwanted or Harassing Phone Calls

Debt Collection Practices: When Hardball Tactics Go Too Far

Fact Sheet 27Debt Collection Practices:
When Hardball Tactics Go Too Far

Dealing with a debt collector can be one of life's most stressful experiences. Harassing calls, threats, and use of obscene language can drive you to the edge. What's worse, a collector may embarrass you by contacting your employer, family or neighbors. You may even be hounded to pay a debt that is not rightfully yours. Sure, collection agencies have a job to do. Even so, there are limits on how far a debt collector can go.

This guide explains the federal Fair Debt Collection Practices Act (FDCPA) and other laws that apply to debt collectors. We provide information about how to stop calls from collectors and how to correspond with them about your account or to dispute a collection action. We also explain your right to privacy, and how debt collection efforts may affect your job, your credit report, even information in your medical files.

State Debt Collection Laws and Publications

Fact Sheet 27 AddendumState Debt Collection Laws and Publications

Frequently Asked Questions about Debt Collection

Fact Sheet 27aFrequently Asked Questions about Debt Collection

A debt collector keeps calling for someone I do not know - how can I make them stop calling? Can a debt collector reveal information about my debt to my family, friends or boss? I have bad credit and am considering paying a company to fix it - will this work?

Find answers to these and many more questions in our Frequently Asked Questions about Debt Collections. Find out what to do about debts older than 7 years, what to do if a debt collector violates your rights and how to deal with a debt collector if you are the victim of identity theft. Our guide covers the questions we hear most frequently from consumers dealing with collection agenciesrs.

Comments to FTC: Collection of a Deceased Person's Debt

On October 8, 2010, the FTC announced a policy regarding debt collectors’ communications with third parties regarding a decedent’s debt. In this, the FTC expands the numbers of individuals a collector may contact when the debtor is deceased. We urge the Commission to reconsider this policy or at a minimum to offer guidance for individuals who may be contacted by a collector about a deceased consumer’s debt. We further urge the Commission to reconsider its policy regarding no enforcement for deceased debtor contacts.

Tell the FCC to Stop Debt Collectors from Calling Your Cell Phone

Debt collectors want permission to call your cell phone. They want to use autodialers in order to reach as many numbers as possible.

The law currently protects consumers from such calls to cell phones, but the debt collectors want that to change.

Prohibit Debt Collectors from Calling Cell Phones: Comments to the FCC

The Privacy Rights Clearinghouse (PRC)1 appreciates the opportunity to comment, opposing ACA International's (ACA)2 Petition. The ACA asks the Federal Communications Commission (FCC or Commission) to exempt debt collectors from cell phone privacy rules adopted under the Telephone Consumer Protection Act (TCPA).3 We urge the Commission to deny this Petition.

Comments Regarding the Use of Personal Medical Data by Financial Institutions

The proposed rule generally prohibits a creditor from obtaining and using medical information for making decisions about a consumer's credit eligibility. The rule then makes an exception that allows creditors to obtain and use financial information that happens to be related to medical debts, expenses and income.

Harassment at the office

September 1, 1995

A debt collection agency contacted Franklin at his place of work.

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