what bill collectors can and cannot do

What bill collectors can and cannot do

What bill collectors can and cannot do

What bill collectors can and cannot do

What bill collectors can and cannot do

Feel as if you are being subjected to collection agency harassment?

Are bill collectors calling you at work and you do not know what to do? Under the Fair Debt Collection Practices Act (FDCPA laws), you can be entitled to money damages from debt collector harassment AND payment of your attorney fees.

If you are being bothered, hassled, harassed, abused or stressed out by bill collector harassment, we can help! Are you getting calls from debt collectors at your home or job? Are debt collection agencies threatening you with lawsuits, wage garnishment, criminal charges or arrest? Have debt collectors called your family, friends and neighbors about your debts? Are debt collectors pressuring you to make payments that you cannot afford? Are debt collection agents pushing you to pay a debt you don't think you owe? You do have rights which have been provided to consumers by the United States Congress and the Federal Trade Commission!

Martin Law Group uses its attorney’s vast consumer law experience to refine our process with the most effective techniques to encourage a quick and fair resolution to your claims. We supplement the wisdom and legal experience we gained while working for a large consumer litigation firm with a higher level of service to our clients. Put our experience to work for you when dealing with collection agencies and stop the creditor harassment NOW.

• Stop the annoying collection phone calls

• Recover money damages from the debt collector – that's right, cash for you!

• Negotiate to reduce or eliminate the debt (in some instances, depending upon the creditor)

• Recover our attorney’s fees from the debt collector – you pay NO attorney’s fees out of your pocket whatsoever

Don't waste another day putting up with the unfair, illegal and annoying tactics of collection agencies. Call us today to speak with an experienced fair debt collection attorney today.

Under the Fair Debt Collection Practices Act (FDCPA), you can be entitled to money damages from the debt collector AND payment of your attorney fees, if the debt collector has done any of the following, even if only once!

The rules and burdens placed on debt collectors by the Fair Debt Collection Practices Act are extensive. This is not even the entire list!

1. Contact you at times which they know are inconvenient to you.

2. Contact you before 8:00 a.m. or after 9:00 p.m.

3. Contact you if they know you are represented by an attorney.

4. Contact you at work if they are told that you are not allowed to take calls of that nature while you are working.

5. Continue collection of a debt if you have properly disputed all or part of the debt, until that verification is provided to you. .

6. Contact you at all to further attempt to collect a debt if you have notified them in writing to cease all communication with you.

7. Engage in harassing, oppressive or abusive conduct.

8. Threaten violence or use obscene or profane language when communicating with you.

9. Call you repeatedly or continuously throughout the day to annoy or harass you.

10. Communicate with you without disclosing their identity and disclosing that they a debt collector.

11. Use any false, deceptive or misleading representations to attempt to collect a debt.

12. Misrepresent the amount or legal status of the debt.

13. Falsely represent that they are an attorney or work for an attorney.

14. Falsely threaten you with arrest or imprisonment or imply that you committed a crime by not paying your debt.

15. Falsely represent that you are being sued or are going to be sued if that is true or they don't intend to do it.

16. Use any name other than the true name of their business when communicating with you

17. Pretend to be acting on behalf of a governmental agency when collecting the debt.

18. Collect any amounts which are not authorized by the agreement which created the debt.

19. Communicate or threaten to communicate false information on your credit report. If you notify the debt collector that a debt is disputed, they must notify the credit reporting bureaus of your dispute.

20. Communicate with anyone other than you regarding the debt, except for your spouse. Debt collectors cannot divulge to anyone else that you owe a debt, other than your spouse.

21. Communicate with you by postcard.

22. Use fake “official9rdquo; court or government documents.

23. Debt collectors and debt collection attorneys cannot file a lawsuit against you in a judicial district other than where you live (usually the local city or county court) or where you signed the contract which created the debt.


what bill collectors can and cannot do

As a business owner, it’s important that you get paid by your clients. Even though money isn’t everything, it’s essential in helping you run your business. But what happens if your clients don’t pay on time? What happens if days, weeks and even months go by and clients still haven’t paid their bills? As a business owner, what do you do next?

Many small business owners in this situation turn to debt collection agencies to help them collect on past due accounts quickly and more efficiently. Using a debt collection agency allows you to focus on your business while a third-party company handles the debt collection process. However, debt collectors often have a negative stigma, and you may avoid hiring one for this exact reason. No one enjoys getting a call from a debt collector, especially if they’re being harassed and are getting calls multiple times a day. Not every debt collector resorts to harassment. It’s essential, for both your customers and your business, that you choose one that follows all of the rules surrounding debt collection. So, how can you make sure that you don’t choose one of those debt collectors?

The first step into choosing a debt collection agency is to understand the laws surrounding debt collection. The Fair Debt Collection Practices Act (FDCPA) regulates debt collectors and collection agencies, and there are certain things they can and cannot do when collecting debt from a consumer. It’s important that you understand these laws and that you choose a company that is diligent in following them.

Here’s a list of eight things debt collectors cannot do when collecting debt from your customers:

  1. They cannot call you at odd hours. It is illegal for debt collectors to call you outside of the hours of 8am and 9pm or on official holidays, such as Christmas and Thanksgiving. If you get a call from a debt collector at 1am on a weekday, you have the right to ask them to stop calling you outside of reasonable hours.
  2. They cannot threaten you. Debt collectors are not allowed to make threats. They can’t tell you that you’ll be thrown into jail if you don’t pay or that they’re going to sue you if they don’t actually intend to sue you. Additionally, debt collectors cannot threaten to tell your friends and family about your debt problems.
  3. They cannot use abusive language. If you are ever on the phone with a debt collector and they begin to swear at you or call you names, you should hang up and immediately write down what happened. You can then send this to the management of the agency or meet with an attorney to determine your legal rights as a consumer.
  4. They cannot ask you to pay more than you owe. If you owe $1,500 for an unpaid medical bill, a debt collector cannot ask you to pay $2,000 for that bill. Debt collectors are never allowed to misrepresent the amount you owe.
  5. They cannot tell anyone about your debt. Debt collectors are only allowed to discuss your debt with your spouse and your attorney. They may verify your employment or contact information with a third party, but debt collectors are not allowed to discuss any information about your debt.
  6. They cannot report false information on your credit report. Debt collectors are allowed to be honest about what you haven’t paid, but they’re not allowed to create false information to further hurt your credit. If a debt collector is contacting you, check your credit report to make sure they’re not making any false claims.
  7. They can’t lie about who they are. If a debt collector calls you and you ask them who they are, they must tell you who they are calling on behalf of to collect the debt. They cannot pretend that they’re a collection attorney or that they have authority that they don’t actually have.
  8. They cannot keep calling you if you ask that they stop. If you ask for a debt collector to stop calling you at work, whether through a verbal or written request, they’re legally required to stop. Additionally, you can make a written request asking the debt collector to stop contacting you. This doesn’t mean that you’re off the hook for your debt, it just means that a debt collector is no longer allowed to contact you via phone.

All debt collectors are required to follow the Fair Debt Collection Practices Act. If a customer comes to you and says that a debt collector is harassing them, it’s important that you speak to the debt collection agency immediately.

Windfall has partnered with Transworld Systems to bring you exclusive savings on debt collection services. Not a Windfall member? Learn more and sign up!


what bill collectors can and cannot do

What bill collectors can and cannot do

What bill collectors can and cannot do

File Name: What To Do When The Bill Collector Calls.pdf

Uploaded: August 30, 2017

Rating: 5 4 3 2 1 4.4/5 from 8021 votes.

What bill collectors can and cannot do

What bill collectors can and cannot do

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what bill collectors can and cannot do

What bill collectors can and cannot do

What bill collectors can and cannot do

File Name: What To Do When The Bill Collector Calls.pdf

Uploaded: August 30, 2017

Rating: 5 4 3 2 1 4.4/5 from 4528 votes.

What bill collectors can and cannot do

What bill collectors can and cannot do

Finally I get this ebook, thanks for all these Advanced Analytics with Spark: Patterns for Learning from Data at Scale I can get now!

I was suspicious at first when I got redirected to the membership site. Now I'm really excited I found this online library. many thanks Kisses

I did not think that this would work, my best friend showed me this website, and it does! I get my most wanted eBook

I found out about Playster in the New York times and I'm very happy about it: �One of the newest contenders in the crowded field, a company based in Montreal called Playster, offers music, games, TV shows, movies and e-books through its service. Playster recently struck a deal with HarperCollins to include 14,000 backlist books in its service.�

My friends are so mad that they do not know how I have all the high quality ebook which they do not!

I stumbled upon Playster 2 months ago. I've upgraded to a premium membership already. The platform now carries audiobooks from: Simon & Schuster, Macmillan, HarperCollins UK, Recorded Books, Tantor, and Highbridge. HarperCollins US titles are already in the library. Great service.

so many fake sites. this is the first one which worked! Many thanks

wtffff i do not understand this!

Just click on the download, read now or start a free trial buttons and create an account. It only takes 5 minutes to start your one month trial, and after you can download not just this eBook but many others 😉

lol it did not even take me 5 minutes at all! XD