Welcome to Debt Collection Guide
Debt Collection Laws In Pa Article
. For a permanent link to this article, or to bookmark it for further reading, click here.
Fair Debt Collection Practices Act: Dealing with Abusive Debt Collectors
from:In an effort to make you pay, some debt collectors may resort to unethical means. They may falsely threaten you with law suits or repossessions. They may call you incessantly or use derogatory language that will embarrass and humiliate you. However, these things don’t have to happen. The United States actually has a Fair Debt Collection Practices Act that protects individuals from the abusive behavior of debt collectors.
In the first place, why do debt collectors find it easy to violate the Fair Debt Collection Practice Act? Actually, the answer is quite simple. Debt collectors take advantage of people’s ignorance. If you don’t know the law and you’re not familiar with the provisions of the Fair Debt Collection Practice Act, you won’t know what rights you have against these debt collectors. If the debtor is ignorant, the debt collector can manipulate him easily. Without the necessary information, debtors will not know how to fight back against debt collectors who harass him.
Another reason is that while abusive behavior is common, it may be hard to prove. Oftentimes, debtors have difficulty providing evidence that clearly shows that the debt collectors went beyond their limitations and violated the Fair Debt Collection Practices Act. In order to help your cause, it is advisable that you keep copies of every single document that you and your debt collector exchanged.
Lastly, the Fair Debt Collection Practice Act has several loopholes. So, if the debt collector makes some violations, he can simply close his office only to reopen later, under a new name.
Once you are sure that your debt collector violated the Fair Debt Collection Practice Act, here are the steps you should take:
1) Notify the debt collector of the violation you observed. In a formal letter, cite the provision of the Fair Debt Collection Practice Act that was violated. Include details of the event like the date, time, place as well as other circumstances regarding the violation. Make sure you ask for a receipt that proves that the debt collector has indeed received your complaint.
2) If you find it necessary, you can mail another letter to ask the debt collector to stop calling or visiting you.
3) File a formal complaint at the Federal Trade Commission or the FTC. The FTC is the body that is responsible for regulating the activities of debt collection agencies. Filing a complaint is easy, just log on to www.ftc.gov and you can accomplish an online form.
4) Go to your State Attorney General and report your debt collector’s abusive behavior. The Secretary General will have the case processed and investigated.
If you have enough evidence, approach your lawyer and consider filing a lawsuit against that collection agency.
Remember, the Fair Debt Collection Practice Act is there to support you. However, it is only useful when you have enough knowledge about it.
Debt Collection Laws In Pa Specific links
Debt Collection Laws In Pa News
Debt Collection Agency Executives Plead Guilty in Multi- Million Dollar Client ... - LoanSafe
Debt Collection Agency Executives Plead Guilty in Multi- Million Dollar Client ... LoanSafe According to court documents and statements made in court, Oxford Collection Agency was a private financial services company that engaged in accounts receivables management, primarily debt collecting, with offices in New York, Pennsylvania, ... |
Pennsylvania Leads US in Gaming With Tax Windfall - BusinessWeek
 Bloomberg | Pennsylvania Leads US in Gaming With Tax Windfall BusinessWeek By Romy Varghese on May 18, 2012 Ralph Attarian, a 47-year-old caddy, puffed cigarettes as he played a penny slot machine in Philadelphia's SugarHouse Casino, adding to the pot of money that has helped Pennsylvania reap more tax revenue from gambling ... Pennsylvania Leads U.S. in Gaming With Tax Windfall |
Executives at Debt Collection Agency Admit Roles in $10 Million Client, Lender ... - 7thSpace Interactive (press release)
Executives at Debt Collection Agency Admit Roles in $10 Million Client, Lender ... 7thSpace Interactive (press release) According to court documents and statements made in court, Oxford Collection Agency was a private financial services company that engaged in accounts receivables management, primarily debt collecting, with offices in New York, Pennsylvania, ... |
Rigrodsky & Long, P.A. Announces a Securities Fraud Class Action Lawsuit Has ... - MarketWatch (press release)
Rigrodsky & Long, P.A. Announces a Securities Fraud Class Action Lawsuit Has ... MarketWatch (press release) Specifically, the Complaint alleges that Accretive Health failed to disclose that the Company was violating health privacy laws, state debt collections laws and state consumer protection laws. As a result of defendants' false and misleading statements, ... |
Accretive Health chairman has debt-collection history - Chicago Tribune
 Chicago Tribune | Accretive Health chairman has debt-collection history Chicago Tribune The chairman of the Chicago-based company under fire this week in Minnesota for its debt-collection practices in some hospitals has a history in the business that includes a separate run-in with the attorney general in that state. Law Offices of Howard G. Smith Announces Investigation on Behalf of Investors ... Mercy Hospital: 'no aggressive collection practices' ACCRETIVE HEALTH, INC. : Rigrodsky & Long, P.A. Announces a Securities Fraud ... |