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By Molly's Brother | March 5, 2008
There was an excellent article writte by Jen Haley over at CNN.com entitled “Rogue debt collectors — how to fight them.”
She reminds us of the following steps that we can take and the following rights that we have. Among them, she mentions:
A debt collector cannot call you before 8 a.m. or after 9 p.m., unless you agree.
You cannot be contacted at work if the collector knows your employer disapproves.
If you don’t want to hear from a debt collector, write a letter telling them to stop. By law, they have to. Remember, the debt won’t go away and you can still be sued.
The debt collector can contact your attorney — if you have one. If not, your friends and family can be asked about how to get in touch with you.
A debt collector can’t misrepresent the amount of your debt.
A debt collector also cannot use profane or threatening language
Debt collectors can’t say that they will put a lien on your property or file a lawsuit unless the agency really means to do that and it’s legal.
Collectors can’t legally claim federal benefits, such as Social Security or your retirement accounts, like your IRA or 401(k).
Head on over to CNN.com to continue to read the entire article. It is full of helpful information for you if you are facing this issue.
Topics: Personal Finance |
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