In case you owe income to your personal debt selection agency or personal debt collector, you need to know http://query.nytimes.com/search/sitesearch/?action=click&contentCollection®ion=TopBar&WT.nav=searchWidget&module=SearchSubmit&pgtype=Homepage#/애니멀고 whatever they can and cannot do as a way to accumulate monies owed to them. You might have an obligation to pay for Anything you owe, and also the personal debt collectors have an obligation to follow the legislation and not harass you in your house or at function.
The Fair Debt Selection Procedures Act applies to those who gather debts owed to creditors for personal, loved ones and house debts. These consist of auto loans, home loans, cost accounts and income owed for medical expenses. A financial debt collector is somebody employed to collect money you owe.
In five times following a financial debt collector first contacts you, the collector need to send you a notice that tells you the name in the creditor, the amount of you owe, and what action to consider if you believe you don’t owe The cash.
In case you owe the money or Element of it, Call the creditor to arrange for payment.
If you believe you don’t owe the money, Make contact with the creditor in producing and deliver a copy to the collection company by using a letter telling them to not Get hold of you. A personal debt collector may not:
Make contact with you at unreasonable instances, as an example, right before 8 a.m. or just after 9 p.m., unless you 고머니2 agree;
Contact you at work for those who inform the personal debt collector your employer disapproves;
Contact you When you publish a letter telling them to stopexcept to notify you In case the collector or creditor ideas to take a specific motion;
Make contact with your buddies, kinfolk, employer or othersexcept to learn where you reside and operate;
Harass you through threats to hurt you, profane language or recurring phone calls;
Make any Wrong assertion, or declare that you'll be arrested; or
Threaten to possess revenue deducted out of your paycheck or to sue youunless the collection company or creditor intends to do so and it's lawful.
There is a duty to pay off any personal debt that you owe. Debt collection businesses even have a responsibility to take care of their prospects with respect and Stick to the legislation.
Should you be currently being harassed by a debt collection agency, Get in touch with the authorities and report them.