Fair Debt Collection Practices Act - Debt collector must tell you about the debt - Fair Debt Collection Practices Act - How may a debt collector contact you - Fair Debt Collection Practices Act - Stop a debt collector from contacting you
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OUR LEGAL INFORMATION WILL HELP YOU TO BETTER UNDERSTAND A YOUR CREDIT REPORT AND CREDIT SCORE ISSUES
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Fair Credit Billing Act
Fair Credit Billing Act passed by Congress in 1975 to assist the consumers resolving billing disputes with banks or other credit card providers. Disputes may include anything from computational errors and incorrect fees to the crediting of payments.< ... More details | Fair Debt Collection Practices Act - Debt collector contact anyone else about your debt.
If you have an attorney, the debt collector must contact the attorney, rather than you. If you do not have an attorney, a collector may contact other people, but only to find out where you live, what your phone number is, and where you work. Collecto ... More details | Fair Debt Collection Practices Act - Debt collector must tell you about the debt.
Within five days after you are first contacted, the collector must send you a written notice telling you the amount of money you owe; the name of the creditor to whom you owe the money; and what action to take if you believe you do not owe the money. ... More details | Fair Debt Collection Practices Act - How may a debt collector contact you.
A collector may contact you in person, by mail, telephone, telegram, or fax. However, a debt collector may not contact you at inconvenient times or places, such as before 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact ... More details | Fair Debt Collection Practices Act - Stop a debt collector from contacting you.
You can stop a debt collector from contacting you by writing a letter to the collection agency telling them to stop. Once the agency receives your letter, they may not contact you again except to say there will be no further contact or to notify you ... More details | Fair Debt Collection Practices Act - What control do you have over payment of debts.
If you owe more than one debt, any payment you make must be applied to the debt you indicate. A debt collector may not apply a payment to any debt you believe you do not owe. ... More details | Fair Debt Collection Practices Act - What debts are covered.
Personal, family, and household debts are covered under the Act. This includes money owed for the purchase of an automobile, for medical care, or for charge accounts. ... More details | Fair Debt Collection Practices Act - Who is a debt collector.
A debt collector is any person who regularly collects debts owed to others. This includes attorneys who collect debts on a regular basis. ... More details | Fair Debt Collection Practices Act - You can do if you believe a debt collector violated the law.
You have the right to sue a collector in a state or federal court within one year from the date from the date the law was violated. If you win, you may recover money for the damages you suffered plus an additional amount up to $1000. Court costs and ... More details | Fair Debt Collection Practices Act.
If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." If you fall behind in repaying your creditors, or an error is made on your accounts, you may be contacted by a "debt collector ... More details |
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