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If you owe money to a debt collection agency or debt collector, you require to know what they can and can't do in order to collect monies owed to them.  You have an obligation to spend what you owe, and the debt collectors have an obligation to adhere to the law and not harass you at home or at work.

The Fair Debt Collection Practices Act applies to these who gather debts owed to creditors for personal, household and household debts. These incorporate auto loans, mortgages, charge accounts and income owed for medical bills. A debt collector is someone hired to gather cash you owe.

Inside 5 days immediately after a debt collector very first contacts you, the collector must send you a notice that tells you the name of the creditor, how significantly you owe, and what action to take if you think you don't owe the money.

If you owe the funds or element of it, make contact with the creditor to arrange for payment.

If you believe you do not owe the cash, contact the creditor in writing and send a copy to the collection agency with a letter telling them not to make contact with you. A debt collector may not:

Make contact with you at unreasonable occasions, for example, just before 8 a.m. or immediately after 9 p.m., unless you agree

Make contact with you at function if you inform the debt collector your employer disapproves

Speak to you after you compose a letter telling them to stopexcept to notify you if the collector or creditor plans to take a particular action

Speak to your buddies, relatives, employer or othersexcept to discover out exactly where you reside and function

Harass you through threats to harm you, profane language or repeated telephone calls

Make any false statement, or claim that you will be arrested or

Threaten to have money deducted from your paycheck or to sue youunless the collection agency or creditor intends to do so and it is legal.

You have a responsibility to pay off any debt that you owe.  Debt collection agencies also have a responsibility to treat their customers with respect and adhere to the law.

If you are getting harassed by a debt collection agency, get in touch with the authorities and report them. [http://paymentsavvy.com/ learn about payment saavy]