Posts Tagged ‘Fair Debt Collection Practices Act’

MarketWatch has an article, “How to deal with a debt collector” that reads like it was written by a debt collector. Read if you like, but the tips you can find on this blog will probably do you more good.
How to deal with a debt collector | MarketWatch

Along with apparently every other member of the National Association of Consumer Advocates, I just got a letter (PDF) from Federal Debt Relief System, which says it is “restoring America’s freedom” on its letterhead. In the letter, FDRS says “Every account gets reviewed by a paralegal and is submitted to you as a Federal Complaint [...]

Getting a phone call from a debt collector can be very upsetting. Often, they ask for more money than you think you owe or call about a debt you may not remember. But whether or not you owe the debt, there are a few important steps you need to take to make sure you protect [...]

If you are getting phone calls from a debt collector, you should tell them, in writing, that you do not want them calling you. If that does not work, and just want them to stop, the TeleZapper should do the trick.
Most collection agencies use automatic—also called predictive—dialers. In other words, the collector sits at a [...]

Pursuant to the Fair Debt Collection Practices Act, a debtor has 30 days after the first written communication from a debt collector to request validation of the debt. This form letter is a convenient form for requesting validation of the debt (PDF link). The form is a simple, fill-in-the-blank form. Keep a copy for yourself [...]