Debt Collection Practices – Privacy Rights Clearinghouse

Posted by Online-Payday-Loans.org on Jul 26, 2006 in Links

The Privacy Rights Clearinghouse has an excellent Debt Collection Practices page.

Dealing with a debt collector is a stressful experience.

Knowing related laws and regulations, however, can make it less stressful.

Debt collectors may:

  • harass you
  • threaten you
  • use obscene language
  • embarrass you by contacting your employer/family/neighbors

It is a difficult situation to be in but there are legal limits on how far debt collectors can go. Knowing these limits and how to correspond with collectors will help reduce your stress and exposure.

From their website:

We provide information about how to stop calls from collectors and how to correspond with them about your account or to dispute a collection action. We also explain your right to privacy, and how debt collection efforts may affect your job, your credit report, even information in your medical files.

Debt Collection Practices: When Hardball Tactics Go Too Far (External Link)
(http://www.privacyrights.org/)

You can also find useful information by following the Fair Debt Collection link in our Links section.

Important Note: The above letters are intended for use against debt collectors who are bound by the Fair Debt Collection Practices Act (FDCPA). Payday lenders themselves are not bound by the FDCPA because they do not meet the definition of “debt collector” under federal law. (Thank you, Jillian, for taking the time and effort to point this out. Kind readers like you are a treasure and we appreciate your help.)

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