FDCPA Rules

Are you finding yourself lately, in a sticky situation created by a third party debt collector

Here are some FDCPA rules that you need to be aware of

Collection of debts through offensive and dishonest means is prohibited. This includes

1. Getting in touch with consumers personally or through telephone before 8.00 AM or after 9 PM
2. Using foul and abusive language to collect debts
3. Continuing to contact the customer in spite of written communication requesting the collector to refrain from contacting him
4. Calling the customer at his workplace regardless of instructions not to do so
5. Unwarranted threats to arrest or take legal action against the consumer when you are not an attorney or in the legal services
6. Disclosing the intent of communication with the consumer to parties other that his spouse or his attorney unless specified by him in writing
7. Offering false information on credit reports to prompt quick action on payments

Some tips for furnishing evidence

1. Maintain a record of phone calls made by the collectors, the time and content Recording conversations using any telephone recording device would be ideal
2. Maintain a file of all communication from debt collectors. Even the font size and words used matter
3. Any other paper evidence that could help you establish the facts of the case