Nachshon Draiman, Debt Collection ? Know Your Rights

[Nachshon Draiman]

Nachshon Draiman, Debt Collection ? Know Your Rights



The phone is ringing off the hook and caller ID identifies the incoming calls as ?unknown caller,? toll-free call,? or ?out of area.? When you finally politely answer the phone you?re confronted by an obnoxious, rude and threatening bill collector.

If you?re having difficulty paying your bills, this scenario is not uncommon. The tactics used by some debt collectors can often make consumers fear the worst, with threats of arrest, wage garnishment and lawsuits. These types of aggressive and deceptive unfair collection practices have the potential to lead to personal bankruptcy, marital problems, job loss and invasion of privacy. Knowing your rights under the Fair Debt Collection Practices Act (FDCPA) can help arm you with the tools needed to stop these bullies from harassing you any further.

I once received a call from a client who was in an absolute state of panic as a result of a call she received from one such bully. The bill collector threatened to call my client?s employer to inform them of the debt my client owed. Needless to say, this particular client was fearful of losing her job. Fortunately, I was able to calm her nerves with a speedy FDCPA course. The fact is, debt collectors are prohibited from revealing that a consumer owes a debt to anyone other than the person who actually owes the money. This includes written correspondence, as well. Debt collectors are not allowed to send postcards or use language and symbols on an envelope that may indicate the sender of the contents is in the debt collection business.

If you?re being harassed by an aggressive or abusive bill collector, with constant phone calls to your home, it?s really very easy to get these calls to stop. You see, if you notify the debt collector in writing that all further communication is to be ceased, the debt collector is prohibited from contacting you unless it is to advise you that their collection efforts are being terminated, or to inform you that a specified remedy will be invoked.

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