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  • Writer's picturezarreen soni

KNOWING YOUR RIGHTS WHEN DEALING WITH DEBT COLLECTORS…

DEBT COLLECTORS ARE NOT PERMITED TO:

- Talk to you or your family in a threatening or derogatory manner.

- Share—or imply that you will share—any information that could endanger your employment or your family's ability to find work.

- Demand payment without mentioning the creditor's name, the amount owing, the demander's identity, or the reason behind their claim

- Simulate official or judicial forms of communication (such as court summonses).

- Tell a lie about why they are visiting you.

- Share any false or misleading information with your relatives or friends that could be dangerous to them or you.

- (With the exception of interest and other fees that are legitimately recoverable) Obtain more money than is owing to the creditor. Ask the debt collector to break down the costs and detail how they arrived at the amount they are trying to collect from you if they are asking for more money than you believe is reasonable.

- threaten to use violence against you, your loved ones, or your property (verbally or in writing).

- Utilize any technique or action intended to make you or your family look bad.

- Allow their interactions with you to be influenced by personal feelings

- Threaten legal action even though they don't intend to follow through on the threat

- When your attorney has directed them (in writing) to exclusively communicate with your attorney, get in touch with you

- Contact you on a Sunday, or between 9 pm and 6 am, unless you have explicitly asked them to do so

- Contact, or threaten to contact, your employer to pressure you into paying debt (note that a debt collector may contact your employer in order to verify your employment status or income)

- Contact or communicate with your employer, friends, family, acquaintances or neighbours, unless they stand surety for you or the debt collector is seeking to determine your address or phone number

- Share or threaten to share information regarding a debt you dispute, unless they likewise make that information known.

- Arrive to your home in a vehicle that is visibly painted to say that debt collectors are there to see you

- Tell or threaten to disclose your debt to anybody other than your spouse and yourself, unless you are engaging in formal legal action.

- You shouldn't encounter too many issues in your interactions with debt collectors and debt collection organizations because they are generally quite professional and reasonable. However, if things go south, it's crucial that you are aware of and understand your legal rights.


Contact Clear Review Consultants for a tailor-made financial solution plan on 0215696041 or visit our website to fill out a form: Click here

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