About 'collection agencies act'|The Art of Making Collection Agencies Hate You (Part 1 of 10)

About 'collection agencies act'|The Art of Making Collection Agencies Hate You (Part 1 of 10)

Ｍｅｄｉｃａｌ               ｏｒ               ｐｅｒｓｏｎａｌ               ｅｍｅｒｇｅｎｃｉｅｓ               ｃａｎ               ｑｕｉｃｋｌｙ               ｂｅｃｏｍｅ               ａ               ｓｅｅｍｉｎｇｌｙ               ｉｎｓｕｒｍｏｕｎｔａｂｌｅ               ｄｅｂｔ,               ｗｈｅｎ               ｙｏｕ               ａｒｅ               ｕｎａｂｌｅ               ｔｏ               ｐａｙ               ａｎｄ               ａｒｅ               ｔｕｒｎｅｄ               ｏｖｅｒ               ｔｏ               ａ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ. Ｎｏｎｅ               ｏｆ               ｕｓ               ａｒｅ               ｉｍｍｕｎｅ               ｔｏ               ｆｉｎａｎｃｉａｌ               ｓｔｒｅｓｓ               ｉｎ               ｔｈｉｓ               ｄｉｆｆｉｃｕｌｔ               ｅｃｏｎｏｍｙ,               ｓｏ               ｒｅａｄ               ｏｎ               ｆｏｒ               ｏｕｒ               10               ｔｉｐｓ               ｔｏ               ｂｅａｔ               ｔｈｅ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ａｔ               ｔｈｅｉｒ               ｏｗｎ               ｇａｍｅ:                1. Ｂｅ               Ｐｒｏａｃｔｉｖｅ               Ａｓ               ａｎｎｏｙｉｎｇ               ａｓ               ｉｔ               ｃａｎ               ｂｅ               ｄｅａｌｉｎｇ               ｗｉｔｈ               ｄｅｂｔ               ｃｏｌｌｅｃｔｏｒｓ,               ｔｈｅ               ｓｏｏｎｅｒ               ｙｏｕ               ｔａｃｋｌｅ               ｔｈｅ               ｉｓｓｕｅ               ｔｈｅ               ｂｅｔｔｅｒ. Ｗａｉｔｉｎｇ               ｗｉｌｌ               ｏｎｌｙ               ｒａｃｋ               ｕｐ               ｙｏｕｒ               ｂｉｌｌ,               ａｓ               ｉｎｔｅｒｅｓｔ,               ｃｏｌｌｅｃｔｉｏｎ               ｆｅｅｓ,               ａｎｄ               ｌｅｇａｌ               ｆｅｅｓ               ｗｉｌｌ               ａｃｃｕｍｕｌａｔｅ.                2. Ｖｅｒｉｆｙ               ｔｈｅ               Ｄｅｂｔ               Ｔｈｅ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｈａｓ               ｔｏ               ｐｒｏｖｉｄｅ               ｐｒｏｏｆ               ｔｈａｔ               ｙｏｕ               ｏｗｅ               ｔｈｅ               ｄｅｂｔ               ｗｉｔｈｉｎ               30               ｄａｙｓ               ｏｆ               ｔｈｅ               ｄａｔｅ               ｏｆ               ｙｏｕｒ               ｗｒｉｔｔｅｎ               ｒｅｑｕｅｓｔ               ｆｏｒ               ｖｅｒｉｆｉｃａｔｉｏｎ.                3. Ｄｉｓｐｕｔｅ               ｔｈｅ               Ｄｅｂｔ               Ｉｆ               ｙｏｕ               ａｒｅ               ｄｉｓｐｕｔｉｎｇ               ｔｈｅ               ｍｏｎｅｙ               ｏｗｅｄ,               ｄｏ               ｓｏ               ｉｎ               ｗｒｉｔｉｎｇ. Ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｔｈｅｎ               ｈａｖｅ               ｔｏ               ｒｅｐｏｒｔ               ｉｔ               ｔｏ               ｃｒｅｄｉｔ               ｂｕｒｅａｕｓ               ａｓ               ｓｕｃｈ.                4. Ｒｅｑｕｅｓｔ               Ｉｔｅｍｉｚｅｄ               Ｓｔａｔｅｍｅｎｔｓ               Ｉｎｓｉｓｔ               ｏｎ               ａｎ               ｉｔｅｍｉｚｅｄ               ｓｔａｔｅｍｅｎｔ               ｔｈａｔ               ｓｈｏｗｓ               ｅｘａｃｔｌｙ               ｗｈａｔ               ｐａｒｔ               ｏｆ               ｙｏｕｒ               ｐａｙｍｅｎｔｓ               ｇｏｅｓ               ｔｏｗａｒｄ               ｌｅｇａｌ               ｆｅｅｓ,               ｃｏｌｌｅｃｔｉｏｎ               ｆｅｅｓ,               ｉｎｔｅｒｅｓｔ,               ａｎｄ               ｐｒｉｎｃｉｐｌｅ. Ｔｈｉｓ               ｓｈｏｗｓ,               ｉｆ               ａ               ｐａｙｍｅｎｔ               ｈａｓ               ｂｅｅｎ               ａｐｐｌｉｅｄ               ｉｎｃｏｒｒｅｃｔｌｙ.                5. Ｐｒｏｔｅｃｔ               Ｙｏｕｒ               Ｃｒｅｄｉｔ               Ｃｏｌｌｅｃｔｉｏｎ               ａｃｔｉｏｎ               ｈａｓ               ａ               ｓｉｇｎｉｆｉｃａｎｔ               ｎｅｇａｔｉｖｅ               ｉｍｐａｃｔ               ｏｎ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｓｃｏｒｅ. Ｃｈｅｃｋ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｏｎ               ｗｗｗ.ａｎｎｕａｌｃｒｅｄｉｔｒｅｐｏｒｔ.ｃｏｍ               ｗｉｔｈ               ａ               ｆｒｅｅ               ｙｅａｒｌｙ               ｒｅｐｏｒｔ. Ｙｏｕ               ｃａｎ               ａｌｓｏ               ｄｉｓｐｕｔｅ               ｆａｌｓｅ               ａｃｃｏｕｎｔ               ｉｎｆｏｒｍａｔｉｏｎ               ｏｎ               ｔｈｅ               ｓａｍｅ               ｗｅｂｓｉｔｅ.                6. Ｋｅｅｐ               Ｙｏｕｒ               Ｐｅｒｓｏｎａｌ               Ｌｉｆｅ               Ｐｒｉｖａｔｅ               Ｉｆ               ｙｏｕ               ｄｏｎ'ｔ               ｗａｎｔ               ａ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｔ               ｓｎｏｏｐｉｎｇ               ａｒｏｕｎｄ               ｉｎ               ｙｏｕｒ               ｐｅｒｓｏｎａｌ               ｉｎｆｏｒｍａｔｉｏｎ,               ｌｏｃｋ               ｄｏｗｎ               ｙｏｕｒ               ｓｏｃｉａｌ               ｍｅｄｉａ               ｐｒｏｆｉｌｅｓ. Ｉｔ'ｓ               ｔｈｅ               ｅａｓｉｅｓｔ               ｗａｙ               ｆｏｒ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｔｏ               ｆｉｎｄ               ｙｏｕｒ               ｐｒｉｖａｔｅ               ｉｎｆｏｒｍａｔｉｏｎ.                7. Ｋｎｏｗ               Ｙｏｕｒ               Ｒｉｇｈｔｓ               Ｔｈｅ               Ｆａｉｒ               Ｄｅｂｔ               Ｃｏｌｌｅｃｔｉｏｎ               Ｐｒａｃｔｉｃｅｓ               Ａｃｔ               (ＦＤＣＰＡ)               ｐｒｏｔｅｃｔｓ               ｃｏｎｓｕｍｅｒｓ. Ｆｏｒ               ｅｘａｍｐｌｅ,               ａ               ｃｏｌｌｅｃｔｏｒ               ｃａｎ'ｔ               ｖｅｒｂａｌｌｙ               ａｂｕｓｅ               ｙｏｕ,               ｓｈａｒｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｗｉｔｈ               ｔｈｉｒｄ               ｐａｒｔｉｅｓ,               ｔｈｒｅａｔｅｎ               ｙｏｕ               ｗｉｔｈ               ａｒｒｅｓｔ,               ｃａｌｌ               ｔｏｏ               ｅａｒｌｙ               ｏｒ               ｔｏｏ               ｌａｔｅ,               ｏｒ               ｈａｒａｓｓ               ｙｏｕ               ａｔ               ｗｏｒｋ. Ｔｏ               ｌｅａｒｎ               ｍｏｒｅ,               ｖｉｓｉｔ               ｗｗｗ.ｆｔｃ.ｇｏｖ.                8. Ｃｅａｓｅ               Ａｎｄ               Ｄｅｓｉｓｔ               Ｉｆ               ｙｏｕ               ｗａｎｔ               ｄｅｂｔ               ｃｏｌｌｅｃｔｏｒｓ               ｔｏ               ｓｔｏｐ               ｃｏｎｔａｃｔｉｎｇ               ｙｏｕ,               ｗｒｉｔｅ               ａ               ｃｅａｓｅ               ａｎｄ               ｄｅｓｉｓｔ               ｌｅｔｔｅｒ. Ｔｈｅ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｗｉｌｌ               ｃｏｎｔａｃｔ               ｙｏｕ               ｏｎｃｅ               ｍｏｒｅ               ｔｏ               ｉｎｆｏｒｍ               ｙｏｕ               ｏｆ               ｔｈｅｉｒ               ｎｅｘｔ               ｓｔｅｐｓ. Ａｆｔｅｒ               ｔｈａｔ               ｔｈｅｙ               ａｒｅ               ｏｎｌｙ               ａｂｌｅ               ｔｏ               ｃｏｍｍｕｎｉｃａｔｅ               ｗｉｔｈ               ｙｏｕ               ｔｈｒｏｕｇｈ               ａｎ               ａｔｔｏｒｎｅｙ               ｏｒ               ｔｈｅ               ｃｏｕｒｔ               ｓｙｓｔｅｍ.                9. Ｌｅｇａｌ               Ｓｕｉｔ               Ｉｆ               ａ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｆｉｌｅｓ               ａ               ｌｅｇａｌ               ｓｕｉｔ               ａｇａｉｎｓｔ               ｙｏｕ,               ｙｏｕ               ｗｉｌｌ               ｂｅ               ｓｅｒｖｅｄ               ｗｉｔｈ               ｐａｐｅｒｓ. Ｉｆ               ｙｏｕ               ｆｉｌｅ               ａｎ               ａｎｓｗｅｒ,               ｔｈｅ               ｃｏｕｒｔ               ｍｉｇｈｔ               ｓｃｈｅｄｕｌｅ               ａ               ｍｅｄｉａｔｉｏｎ               ｔｏ               ｆｉｎｄ               ａ               ｃｏｍｐｒｏｍｉｓｅ               ｂｅｔｗｅｅｎ               ｔｈｅ               ｐａｒｔｉｅｓ. Ｉｆ               ｙｏｕ               ｄｏｎ'ｔ               ｆｉｌｅ               ａｎ               ａｎｓｗｅｒ,               ｔｈｅ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｉｓ               ｌｉｋｅｌｙ               ｔｏ               ｂｅ               ｇｒａｎｔｅｄ               ａ               ｄｅｆａｕｌｔ               ｊｕｄｇｍｅｎｔ.                10. Ｆｏｌｌｏｗ               Ｕｐ               Ａｆｔｅｒ               ａｎ               ａｃｃｏｕｎｔ               ｈａｓ               ｂｅｅｎ               ｐａｉｄ               ｏｆｆ,               ｒｅｑｕｅｓｔ               ａ               ｒｅｃｅｉｐｔ               ｉｎ               ｗｒｉｔｉｎｇ               ａｎｄ               ｋｅｅｐ               ｉｔ               ｗｉｔｈ               ｙｏｕｒ               ｒｅｃｏｒｄｓ. Ｉｔ               ｃａｎ               ｔａｋｅ               ｕｐ               ｔｏ               ｔｈｒｅｅ               ｍｏｎｔｈｓ               ｆｏｒ               ａ               ｐａｙｏｆｆ               ｔｏ               ｒｅｆｌｅｃｔ               ｏｎ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｒｅｐｏｒｔ. Ｆｏｌｌｏｗ               ｕｐ               ｗｉｔｈ               ｔｈｅ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ,               ｉｆ               ｙｏｕ               ｄｏｎ'ｔ               ｓｅｅ               ｔｈｅ               ａｃｃｏｕｎｔ               ｓｔａｔｕｓ               ｃｈａｎｇｅｄ               ａｆｔｅｒ               90               ｄａｙｓ.                Ｅｄｕｃａｔｉｎｇ               ｙｏｕｒｓｅｌｆ               ａｎｄ               ｆｏｌｌｏｗｉｎｇ               ｔｈｅｓｅ               10               ｔｉｐｓ               ｗｉｌｌ               ｇｏ               ａ               ｌｏｎｇ               ｗａｙ               ｉｎ               ｂｅａｔｉｎｇ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ａｔ               ｔｈｅｉｒ               ｏｗｎ               ｇａｍｅ.

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Collection Agency List Collection Agency Jobs Collection Agency Services Medical Collection Agency Debt Collection Laws Bad Debt Collection Agency Names of Collection Agencies Collection Agencies Laws

Read more

Cecil Lieb 's blog ::The Benefits of Using a Collection Agency

Cecil Lieb 's blog ::The Benefits of Using a Collection Agency

Ｆａｌｌｉｎｇ               ｂｅｈｉｎｄ               ｏｎ               ｂｉｌｌｓ               ｉｓ               ａｎ               ｉｎｃｒｅａｓｉｎｇｌｙ               ｃｏｍｍｏｎ               ｅｘｐｅｒｉｅｎｃｅ               ｉｎ               ａ               ｔｏｕｇｈ               ｅｃｏｎｏｍｙ. Ｂｕｔ               ｔｈｅｒｅ'ｓ               ａｎ               ｅｖｅｎ               ｍｏｒｅ               ｓｔｒｅｓｓｆｕｌ               ｅｘｐｅｒｉｅｎｃｅ               ｔｈａｔ               ｏｆｔｅｎ               ｇｏｅｓ               ｈａｎｄ               ｉｎ               ｈａｎｄ               ｗｉｔｈ               ｍｉｓｓｉｎｇ               ｐａｙｍｅｎｔｓ:               ｄｅａｌｉｎｇ               ｗｉｔｈ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ. Ｔｈｉｒｄ               ｐａｒｔｙ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ａｒｅ               ｃｏｍｐａｎｉｅｓ               ｔｈａｔ               ｐｕｒｃｈａｓｅ               ｙｏｕｒ               ｄｅｂｔｓ               ｆｒｏｍ               ｔｈｅ               ｐｅｒｓｏｎ               ｏｒ               ｃｏｍｐａｎｙ               ｔｏ               ｗｈｏｍ               ｙｏｕ               ｏｒｉｇｉｎａｌｌｙ               ｏｗｅｄ               ｔｈｅｍ. Ｔｈｅｓｅ               ａｇｅｎｃｉｅｓ               ｏｆｔｅｎ               ｒｅｌｅｎｔｌｅｓｓｌｙ               ｈａｓｓｌｅ               ｃｏｎｓｕｍｅｒｓ. Ｃｏｎｓｅｑｕｅｎｔｌｙ,               ｔｈｅ               Ｆａｉｒ               Ｄｅｂｔ               Ｃｏｌｌｅｃｔｉｏｎ               Ｐｒａｃｔｉｃｅｓ               Ａｃｔ               ｗａｓ               ｅｎａｃｔｅｄ,               ｗｈｉｃｈ               ｐｒｏｖｉｄｅｓ               ｎｕｍｅｒｏｕｓ               ｐｒｏｔｅｃｔｉｏｎｓ               ｔｏ               ｃｏｎｓｕｍｅｒｓ. Ｈｅｒｅ'ｓ               ａｎ               ｏｖｅｒｖｉｅｗ               ｏｆ               ｗｈａｔ               ｔｈｅ               ｌａｗ               ｓａｙｓ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｃａｎ               ａｎｄ               ｃａｎｎｏｔ               ｄｏ:               Ｗｈｅｎ               Ｃｏｌｌｅｃｔｉｏｎ               Ａｇｅｎｃｉｅｓ               Ｃａｎ               Ｃｏｎｔａｃｔ               Ｙｏｕ                               Ｔｈｅ               ｌａｗ               ｓａｙｓ               ｔｈａｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｃａｎｎｏｔ               ｃａｌｌ               ｙｏｕ               ｍｏｒｅ               ｔｈａｎ               ｏｎｃｅ               ｐｅｒ               ｄａｙ               ａｎｄ               ｍｕｓｔ               ｃａｌｌ               ｏｎｌｙ               ｂｅｔｗｅｅｎ               ｔｈｅ               ｈｏｕｒｓ               ｏｆ               8:00               ａｍ               ａｎｄ               9:00               ｐｍ. Ｆｕｒｔｈｅｒ,               ａ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｍｕｓｔ               ｓｔｏｐ               ｃａｌｌｉｎｇ               ｙｏｕ               ｉｆ               ｙｏｕ               ｓｅｎｄ               ｔｈｅｍ               ｗｒｉｔｔｅｎ               ｎｏｔｉｃｅ               ｒｅｑｕｅｓｔｉｎｇ               ｔｈｅｍ               ｔｏ               ｄｏ               ｓｏ,               ａｎｄ               ｔｈｅｙ               ｃａｎｎｏｔ               ｃａｌｌ               ｙｏｕ               ａｔ               ｗｏｒｋ. Ｔｈｅｙ               ａｌｓｏ               ｃａｎｎｏｔ               ｃａｌｌ               ｙｏｕ               ａｔ               ａ               ｔｉｍｅ               ｙｏｕ               ｈａｖｅ               ｔｏｌｄ               ｔｈｅｍ               ｉｓ               ｉｎｃｏｎｖｅｎｉｅｎｔ               ｆｏｒ               ｙｏｕ.                Ｈｏｗ               Ｃｏｌｌｅｃｔｉｏｎ               Ａｇｅｎｃｉｅｓ               Ｃａｎ               Ｃｏｎｔａｃｔ               Ｙｏｕ                               Ｔｈｅ               Ｆａｉｒ               Ｄｅｂｔ               Ｃｏｌｌｅｃｔｉｏｎ               Ｐｒａｃｔｉｃｅｓ               Ａｃｔ               ａｌｓｏ               ｐｌａｃｅ               ｌｉｍｉｔｓ               ｏｎ               ｗｈａｔ               ｔｈｉｒｄ               ｐａｒｔｙ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｃａｎ               ａｎｄ               ｃａｎｎｏｔ               ｓａｙ               ｔｏ               ｙｏｕ               ｏｎ               ｔｈｅ               ｐｈｏｎｅ. Ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｍｕｓｔ               ｅｘｐｌｉｃｉｔｌｙ               ｉｄｅｎｔｉｆｙ               ｔｈｅｍｓｅｌｖｅｓ               ａｓ               ｓｕｃｈ               ａｎｄ               ｃａｎｎｏｔ               ｐｒｅｔｅｎｄ               ｔｏ               ｂｅ               ａｎ               ａｔｔｏｒｎｅｙ,               ａ               ｆｒｉｅｎｄ,               ｅｔｃ. Ａ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ｃｏｍｐａｎｙ               ｃａｎｎｏｔ               ｔｈｒｅａｔｅｎ               ａｃｔｉｏｎ               ｔｈｅｙ               ｄｏ               ｎｏｔ               ｉｎｔｅｎｄ               ｔｏ               ｔａｋｅ,               ｌｉｋｅ               ａ               ｌａｗｓｕｉｔ,               ｏｒ               ａｃｔｉｏｎ               ｔｈｅｙ               ｃａｎｎｏｔ               ｔａｋｅ,               ｌｉｋｅ               ａｒｒｅｓｔｉｎｇ               ｙｏｕ. Ｔｈｅｙ               ａｌｓｏ               ｍａｙ               ｎｏｔ               ｕｓｅ               ａｂｕｓｉｖｅ               ｌａｎｇｕａｇｅ               ｏｒ               ｒａｃｉａｌ               ｓｌｕｒｓ,               ｏｒ               "ｉｎｔｅｎｔｉｏｎａｌｌｙ               ｈａｒａｓｓ"               ｙｏｕ. Ｔｈｅ               ｄｅｆｉｎｉｔｉｏｎ               ｏｆ               ｉｎｔｅｎｔｉｏｎａｌ               ｈａｒａｓｓｍｅｎｔ               ｉｓ,               ｏｆ               ｃｏｕｒｓｅ,               ｕｐ               ｆｏｒ               ｄｅｂａｔｅ               ｈｅｒｅ.                Ｗｈｏ               Ｅｌｓｅ               Ｃｏｌｌｅｃｔｉｏｎ               Ａｇｅｎｃｉｅｓ               Ｃａｎ               Ｃｏｎｔａｃｔ                               Ａ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ｃｏｍｐａｎｙ               ｃａｎｎｏｔ               ｐｕｂｌｉｓｈ               ｙｏｕｒ               ｎａｍｅ               ｏｎ               ａ               "ｂａｄ               ｄｅｂｔ"               ｌｉｓｔ               ｏｒ               ｓｅｎｄ               ｙｏｕ               ｍａｉｌ               ｔｈａｔ               ｓａｙｓ               ｏｎ               ｔｈｅ               ｏｕｔｓｉｄｅ               ｉｔ               ｉｓ               ｆｒｏｍ               ａ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ｃｏｍｐａｎｙ. Ｔｈｅｙ               ｍａｙ               ａｌｓｏ               ｎｏｔ               ｄｉｓｃｕｓｓ               ｙｏｕｒ               ｄｅｂｔ               ｗｉｔｈ               ｔｈｉｒｄ               ｐａｒｔｉｅｓ,               ｔｈｏｕｇｈ               ｔｈｅｙ               ｃａｎ               ｃｏｎｔａｃｔ               ｔｈｉｒｄ               ｐａｒｔｉｅｓ               ｔｏ               ｏｂｔａｉｎ               ｙｏｕｒ               ａｄｄｒｅｓｓ               ａｎｄ               ｐｈｏｎｅ               ｎｕｍｂｅｒ               ｉｆ               ａｎｄ               ｏｎｌｙ               ｉｆ               ｔｈｅｙ               ｄｏ               ｎｏｔ               ａｌｒｅａｄｙ               ｈａｖｅ               ｉｔ. Ａ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｃａｎｎｏｔ               ｃｏｎｔａｃｔ               ｙｏｕ               ｄｉｒｅｃｔｌｙ               ｉｆ               ｙｏｕ               ａｒｅ               ｒｅｐｒｅｓｅｎｔｅｄ               ｂｙ               ａｎ               ａｔｔｏｒｎｅｙ               ａｎｄ               ｍｕｓｔ               ｃｏｎｔａｃｔ               ｙｏｕｒ               ａｔｔｏｒｎｅｙ               ｉｎｓｔｅａｄ.                Ｏｔｈｅｒ               Ｔｈｉｎｇｓ               Ｃｏｌｌｅｃｔｉｏｎ               Ａｇｅｎｃｉｅｓ               Ｍｕｓｔ               Ｄｏ                               Ａ               ｔｈｉｒｄ               ｐａｒｔｙ               ｃｏｌｌｅｃｔｉｏｎ               ｃｏｍｐａｎｙ               ｍｕｓｔ               ａｌｓｏ               ｉｄｅｎｔｉｆｙ               ｔｈｅ               ｎａｍｅ               ａｎｄ               ｔｈｅ               ａｄｄｒｅｓｓ               ｏｆ               ｔｈｅ               ｏｒｉｇｉｎａｌ               ｐａｒｔｙ               ｔｏ               ｗｈｏｍ               ｔｈｅ               ｄｅｂｔ               ｉｓ               ｏｗｅｄ,               ａｓ               ｗｅｌｌ               ａｓ               ｉｎｆｏｒｍ               ｙｏｕ               ｏｆ               ｙｏｕｒ               ｒｉｇｈｔ               ｔｏ               ｄｉｓｐｕｔｅ               ｔｈｅ               ｄｅｂｔ               ｉｆ               ｙｏｕ               ｄｏ               ｎｏｔ               ｂｅｌｉｅｖｅ               ｙｏｕ               ｏｗｅ               ｉｔ. Ｔｈｅｙ               ｃａｎｎｏｔ               ｒｅｐｏｒｔ               ｉｎｆｏｒｍａｔｉｏｎ               ｔｈｅｙ               ｋｎｏｗ               ｔｏ               ｂｅ               ｅｒｒｏｎｅｏｕｓ               ｏｒ               ｉｎ               ｄｉｓｐｕｔｅ               ｔｏ               ａ               ｃｒｅｄｉｔ               ｒｅｐｏｒｔｉｎｇ               ａｇｅｎｃｙ               ａｎｄ               ｔｈｅｙ               ｍｕｓｔ               ｐｒｏｖｉｄｅ               ｗｒｉｔｔｅｎ               ｖｅｒｉｆｉｃａｔｉｏｎ               ｏｆ               ｔｈｅ               ｄｅｂｔ'ｓ               ｖａｌｉｄｉｔｙ               ｉｆ               ｙｏｕ               ａｓｋ               ｔｈｅｍ               ｔｏ               ｄｏ               ｓｏ.                Ｄｅａｌｉｎｇ               ｗｉｔｈ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｃａｎ               ｂｅ               ｓｔｒｅｓｓｆｕｌ,               ｂｕｔ               ｋｎｏｗｉｎｇ               ｙｏｕｒ               ｒｉｇｈｔｓ               ｃａｎ               ｍａｋｅ               ｔｈｅ               ｐｒｏｃｅｓｓ               ｅａｓｉｅｒ. Ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｃａｎ               ｂｅ               ｆｉｎｅｄ               ｆｏｒ               ｅａｃｈ               ｖｉｏｌａｔｉｏｎ               ｏｆ               ｔｈｅ               ＦＤＣＰＡ,               ａｎｄ               ｙｏｕ               ｃａｎ               ｓｕｅ               ｔｈｅｍ               ｆｏｒ               ｄａｍａｇｅｓ. Ｉｆ               ｙｏｕ               ｂｅｌｉｅｖｅ               ａ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｈａｓ               ｖｉｏｌａｔｅｄ               ｙｏｕｒ               ｒｉｇｈｔｓ,               ｒｅｐｏｒｔ               ｔｈｅ               ｖｉｏｌａｔｉｏｎ               ｔｏ               ｙｏｕｒ               ｓｔａｔｅ               ａｔｔｏｒｎｅｙ               ｇｅｎｅｒａｌ'ｓ               ｏｆｆｉｃｅ               ｈｅｒｅ               ａｎｄ               ｔｏ               ｔｈｅ               ＦＴＣ               ｗｗｗ.ｆｔｃ.ｇｏｖ                Ｓｏｕｒｃｅｓ:                               ｈｔｔｐ://ｆｔｃ.ｇｏｖ/ｏｐａ/2010/01/ａｃａｄｅｍｙ.ｓｈｔｍ                               ｈｔｔｐ://ｆｔｃ.ｇｏｖ/ｂｃｐ/ｍｅｎｕｓ/ｒｅｓｏｕｒｃｅｓ/ｇｕｉｄａｎｃｅ/ｃｒｅｄｉｔ.ｓｈｔｍ

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3. ...protect our interests. (Including, without limitation, the use of a debt collection agency (in India, debt collection agencies are mostly similar to extortion agencies...

   indian-voice.blogspot.com/   04/23/2007

   ...protect our interests. (Including, without limitation, the use of a debt collection agency (in India, debt collection agencies are mostly similar to extortion agencies...

4. Charge Off Turned Over to a Collection Agency

   benmny.wordpress.com/   12/19/2010

   ...to sue that collection agency. According to Fair Credit Reporting Act, collection agencies are not supposed to ask consumers for debts...

5. Why are Collection Agencies so Sketchy?

   fundinggates.wordpress.com/   08/08/2011

   ... imposed by the Fair Debt Collection Practices Act. Smaller collection agencies feel the competitive pressure more than the larger shops...

6. ...relay narration instead of a voice-over.) He interviews employees at a collection agency, where they're proud of the sneaky ways they have of embarrassing you...

   rougeknights.blogspot.com/   11/01/2007

   ...relay narration instead of a voice-over.) He interviews employees at a collection agency, where they're proud of the sneaky ways they have of embarrassing you...

7. ... it to happen. I made myself just watch what really went on instead of acting out of my own anger or frustration. What I have concluded is that the...

   magii.blogspot.com/   04/08/2005

   ... it to happen. I made myself just watch what really went on instead of acting out of my own anger or frustration. What I have concluded is that the...

8. Collection Agency Law Explained

   mainfinance.wordpress.com/   10/15/2010

   ... unpleasant experience. A collection agency can turn simple acts, such as checking the...also rules of conduct a collection agency must follow when collecting...

9. Debt Validation – a Powerful Weapon Against Collection Agencies

   unsecureddebt123.wordpress.com/   06/03/2012

   ...Joe. Bob is acting just like a collection agency for a credit card...any violation of the Act. The opinion letter... out that a collection agency CANNOT report a debt...

10. The Art of Making Collection Agencies Hate You (Part 1 of 10)

    economy911.blogspot.com/   10/15/2009

    ..., specifically the Federal Fair Debt Collection Practices Act. A collection agency is hired by a creditor and given full rights to help...

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Cecil Lieb 's blog ::... it to happen. I made myself just watch what really went on instead of acting out of my own anger or frustration. What I have concluded is that the...

Cecil Lieb 's blog ::... it to happen. I made myself just watch what really went on instead of acting out of my own anger or frustration. What I have concluded is that the...

Ｆａｌｌｉｎｇ               ｂｅｈｉｎｄ               ｏｎ               ｂｉｌｌｓ               ｉｓ               ａｎ               ｉｎｃｒｅａｓｉｎｇｌｙ               ｃｏｍｍｏｎ               ｅｘｐｅｒｉｅｎｃｅ               ｉｎ               ａ               ｔｏｕｇｈ               ｅｃｏｎｏｍｙ. Ｂｕｔ               ｔｈｅｒｅ'ｓ               ａｎ               ｅｖｅｎ               ｍｏｒｅ               ｓｔｒｅｓｓｆｕｌ               ｅｘｐｅｒｉｅｎｃｅ               ｔｈａｔ               ｏｆｔｅｎ               ｇｏｅｓ               ｈａｎｄ               ｉｎ               ｈａｎｄ               ｗｉｔｈ               ｍｉｓｓｉｎｇ               ｐａｙｍｅｎｔｓ:               ｄｅａｌｉｎｇ               ｗｉｔｈ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ. Ｔｈｉｒｄ               ｐａｒｔｙ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ａｒｅ               ｃｏｍｐａｎｉｅｓ               ｔｈａｔ               ｐｕｒｃｈａｓｅ               ｙｏｕｒ               ｄｅｂｔｓ               ｆｒｏｍ               ｔｈｅ               ｐｅｒｓｏｎ               ｏｒ               ｃｏｍｐａｎｙ               ｔｏ               ｗｈｏｍ               ｙｏｕ               ｏｒｉｇｉｎａｌｌｙ               ｏｗｅｄ               ｔｈｅｍ. Ｔｈｅｓｅ               ａｇｅｎｃｉｅｓ               ｏｆｔｅｎ               ｒｅｌｅｎｔｌｅｓｓｌｙ               ｈａｓｓｌｅ               ｃｏｎｓｕｍｅｒｓ. Ｃｏｎｓｅｑｕｅｎｔｌｙ,               ｔｈｅ               Ｆａｉｒ               Ｄｅｂｔ               Ｃｏｌｌｅｃｔｉｏｎ               Ｐｒａｃｔｉｃｅｓ               Ａｃｔ               ｗａｓ               ｅｎａｃｔｅｄ,               ｗｈｉｃｈ               ｐｒｏｖｉｄｅｓ               ｎｕｍｅｒｏｕｓ               ｐｒｏｔｅｃｔｉｏｎｓ               ｔｏ               ｃｏｎｓｕｍｅｒｓ. Ｈｅｒｅ'ｓ               ａｎ               ｏｖｅｒｖｉｅｗ               ｏｆ               ｗｈａｔ               ｔｈｅ               ｌａｗ               ｓａｙｓ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｃａｎ               ａｎｄ               ｃａｎｎｏｔ               ｄｏ:               Ｗｈｅｎ               Ｃｏｌｌｅｃｔｉｏｎ               Ａｇｅｎｃｉｅｓ               Ｃａｎ               Ｃｏｎｔａｃｔ               Ｙｏｕ                               Ｔｈｅ               ｌａｗ               ｓａｙｓ               ｔｈａｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｃａｎｎｏｔ               ｃａｌｌ               ｙｏｕ               ｍｏｒｅ               ｔｈａｎ               ｏｎｃｅ               ｐｅｒ               ｄａｙ               ａｎｄ               ｍｕｓｔ               ｃａｌｌ               ｏｎｌｙ               ｂｅｔｗｅｅｎ               ｔｈｅ               ｈｏｕｒｓ               ｏｆ               8:00               ａｍ               ａｎｄ               9:00               ｐｍ. Ｆｕｒｔｈｅｒ,               ａ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｍｕｓｔ               ｓｔｏｐ               ｃａｌｌｉｎｇ               ｙｏｕ               ｉｆ               ｙｏｕ               ｓｅｎｄ               ｔｈｅｍ               ｗｒｉｔｔｅｎ               ｎｏｔｉｃｅ               ｒｅｑｕｅｓｔｉｎｇ               ｔｈｅｍ               ｔｏ               ｄｏ               ｓｏ,               ａｎｄ               ｔｈｅｙ               ｃａｎｎｏｔ               ｃａｌｌ               ｙｏｕ               ａｔ               ｗｏｒｋ. Ｔｈｅｙ               ａｌｓｏ               ｃａｎｎｏｔ               ｃａｌｌ               ｙｏｕ               ａｔ               ａ               ｔｉｍｅ               ｙｏｕ               ｈａｖｅ               ｔｏｌｄ               ｔｈｅｍ               ｉｓ               ｉｎｃｏｎｖｅｎｉｅｎｔ               ｆｏｒ               ｙｏｕ.                Ｈｏｗ               Ｃｏｌｌｅｃｔｉｏｎ               Ａｇｅｎｃｉｅｓ               Ｃａｎ               Ｃｏｎｔａｃｔ               Ｙｏｕ                               Ｔｈｅ               Ｆａｉｒ               Ｄｅｂｔ               Ｃｏｌｌｅｃｔｉｏｎ               Ｐｒａｃｔｉｃｅｓ               Ａｃｔ               ａｌｓｏ               ｐｌａｃｅ               ｌｉｍｉｔｓ               ｏｎ               ｗｈａｔ               ｔｈｉｒｄ               ｐａｒｔｙ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｃａｎ               ａｎｄ               ｃａｎｎｏｔ               ｓａｙ               ｔｏ               ｙｏｕ               ｏｎ               ｔｈｅ               ｐｈｏｎｅ. Ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｍｕｓｔ               ｅｘｐｌｉｃｉｔｌｙ               ｉｄｅｎｔｉｆｙ               ｔｈｅｍｓｅｌｖｅｓ               ａｓ               ｓｕｃｈ               ａｎｄ               ｃａｎｎｏｔ               ｐｒｅｔｅｎｄ               ｔｏ               ｂｅ               ａｎ               ａｔｔｏｒｎｅｙ,               ａ               ｆｒｉｅｎｄ,               ｅｔｃ. Ａ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ｃｏｍｐａｎｙ               ｃａｎｎｏｔ               ｔｈｒｅａｔｅｎ               ａｃｔｉｏｎ               ｔｈｅｙ               ｄｏ               ｎｏｔ               ｉｎｔｅｎｄ               ｔｏ               ｔａｋｅ,               ｌｉｋｅ               ａ               ｌａｗｓｕｉｔ,               ｏｒ               ａｃｔｉｏｎ               ｔｈｅｙ               ｃａｎｎｏｔ               ｔａｋｅ,               ｌｉｋｅ               ａｒｒｅｓｔｉｎｇ               ｙｏｕ. Ｔｈｅｙ               ａｌｓｏ               ｍａｙ               ｎｏｔ               ｕｓｅ               ａｂｕｓｉｖｅ               ｌａｎｇｕａｇｅ               ｏｒ               ｒａｃｉａｌ               ｓｌｕｒｓ,               ｏｒ               "ｉｎｔｅｎｔｉｏｎａｌｌｙ               ｈａｒａｓｓ"               ｙｏｕ. Ｔｈｅ               ｄｅｆｉｎｉｔｉｏｎ               ｏｆ               ｉｎｔｅｎｔｉｏｎａｌ               ｈａｒａｓｓｍｅｎｔ               ｉｓ,               ｏｆ               ｃｏｕｒｓｅ,               ｕｐ               ｆｏｒ               ｄｅｂａｔｅ               ｈｅｒｅ.                Ｗｈｏ               Ｅｌｓｅ               Ｃｏｌｌｅｃｔｉｏｎ               Ａｇｅｎｃｉｅｓ               Ｃａｎ               Ｃｏｎｔａｃｔ                               Ａ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ｃｏｍｐａｎｙ               ｃａｎｎｏｔ               ｐｕｂｌｉｓｈ               ｙｏｕｒ               ｎａｍｅ               ｏｎ               ａ               "ｂａｄ               ｄｅｂｔ"               ｌｉｓｔ               ｏｒ               ｓｅｎｄ               ｙｏｕ               ｍａｉｌ               ｔｈａｔ               ｓａｙｓ               ｏｎ               ｔｈｅ               ｏｕｔｓｉｄｅ               ｉｔ               ｉｓ               ｆｒｏｍ               ａ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ｃｏｍｐａｎｙ. Ｔｈｅｙ               ｍａｙ               ａｌｓｏ               ｎｏｔ               ｄｉｓｃｕｓｓ               ｙｏｕｒ               ｄｅｂｔ               ｗｉｔｈ               ｔｈｉｒｄ               ｐａｒｔｉｅｓ,               ｔｈｏｕｇｈ               ｔｈｅｙ               ｃａｎ               ｃｏｎｔａｃｔ               ｔｈｉｒｄ               ｐａｒｔｉｅｓ               ｔｏ               ｏｂｔａｉｎ               ｙｏｕｒ               ａｄｄｒｅｓｓ               ａｎｄ               ｐｈｏｎｅ               ｎｕｍｂｅｒ               ｉｆ               ａｎｄ               ｏｎｌｙ               ｉｆ               ｔｈｅｙ               ｄｏ               ｎｏｔ               ａｌｒｅａｄｙ               ｈａｖｅ               ｉｔ. Ａ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｃａｎｎｏｔ               ｃｏｎｔａｃｔ               ｙｏｕ               ｄｉｒｅｃｔｌｙ               ｉｆ               ｙｏｕ               ａｒｅ               ｒｅｐｒｅｓｅｎｔｅｄ               ｂｙ               ａｎ               ａｔｔｏｒｎｅｙ               ａｎｄ               ｍｕｓｔ               ｃｏｎｔａｃｔ               ｙｏｕｒ               ａｔｔｏｒｎｅｙ               ｉｎｓｔｅａｄ.                Ｏｔｈｅｒ               Ｔｈｉｎｇｓ               Ｃｏｌｌｅｃｔｉｏｎ               Ａｇｅｎｃｉｅｓ               Ｍｕｓｔ               Ｄｏ                               Ａ               ｔｈｉｒｄ               ｐａｒｔｙ               ｃｏｌｌｅｃｔｉｏｎ               ｃｏｍｐａｎｙ               ｍｕｓｔ               ａｌｓｏ               ｉｄｅｎｔｉｆｙ               ｔｈｅ               ｎａｍｅ               ａｎｄ               ｔｈｅ               ａｄｄｒｅｓｓ               ｏｆ               ｔｈｅ               ｏｒｉｇｉｎａｌ               ｐａｒｔｙ               ｔｏ               ｗｈｏｍ               ｔｈｅ               ｄｅｂｔ               ｉｓ               ｏｗｅｄ,               ａｓ               ｗｅｌｌ               ａｓ               ｉｎｆｏｒｍ               ｙｏｕ               ｏｆ               ｙｏｕｒ               ｒｉｇｈｔ               ｔｏ               ｄｉｓｐｕｔｅ               ｔｈｅ               ｄｅｂｔ               ｉｆ               ｙｏｕ               ｄｏ               ｎｏｔ               ｂｅｌｉｅｖｅ               ｙｏｕ               ｏｗｅ               ｉｔ. Ｔｈｅｙ               ｃａｎｎｏｔ               ｒｅｐｏｒｔ               ｉｎｆｏｒｍａｔｉｏｎ               ｔｈｅｙ               ｋｎｏｗ               ｔｏ               ｂｅ               ｅｒｒｏｎｅｏｕｓ               ｏｒ               ｉｎ               ｄｉｓｐｕｔｅ               ｔｏ               ａ               ｃｒｅｄｉｔ               ｒｅｐｏｒｔｉｎｇ               ａｇｅｎｃｙ               ａｎｄ               ｔｈｅｙ               ｍｕｓｔ               ｐｒｏｖｉｄｅ               ｗｒｉｔｔｅｎ               ｖｅｒｉｆｉｃａｔｉｏｎ               ｏｆ               ｔｈｅ               ｄｅｂｔ'ｓ               ｖａｌｉｄｉｔｙ               ｉｆ               ｙｏｕ               ａｓｋ               ｔｈｅｍ               ｔｏ               ｄｏ               ｓｏ.                Ｄｅａｌｉｎｇ               ｗｉｔｈ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｃａｎ               ｂｅ               ｓｔｒｅｓｓｆｕｌ,               ｂｕｔ               ｋｎｏｗｉｎｇ               ｙｏｕｒ               ｒｉｇｈｔｓ               ｃａｎ               ｍａｋｅ               ｔｈｅ               ｐｒｏｃｅｓｓ               ｅａｓｉｅｒ. Ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｃａｎ               ｂｅ               ｆｉｎｅｄ               ｆｏｒ               ｅａｃｈ               ｖｉｏｌａｔｉｏｎ               ｏｆ               ｔｈｅ               ＦＤＣＰＡ,               ａｎｄ               ｙｏｕ               ｃａｎ               ｓｕｅ               ｔｈｅｍ               ｆｏｒ               ｄａｍａｇｅｓ. Ｉｆ               ｙｏｕ               ｂｅｌｉｅｖｅ               ａ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｈａｓ               ｖｉｏｌａｔｅｄ               ｙｏｕｒ               ｒｉｇｈｔｓ,               ｒｅｐｏｒｔ               ｔｈｅ               ｖｉｏｌａｔｉｏｎ               ｔｏ               ｙｏｕｒ               ｓｔａｔｅ               ａｔｔｏｒｎｅｙ               ｇｅｎｅｒａｌ'ｓ               ｏｆｆｉｃｅ               ｈｅｒｅ               ａｎｄ               ｔｏ               ｔｈｅ               ＦＴＣ               ｗｗｗ.ｆｔｃ.ｇｏｖ                Ｓｏｕｒｃｅｓ:                               ｈｔｔｐ://ｆｔｃ.ｇｏｖ/ｏｐａ/2010/01/ａｃａｄｅｍｙ.ｓｈｔｍ                               ｈｔｔｐ://ｆｔｃ.ｇｏｖ/ｂｃｐ/ｍｅｎｕｓ/ｒｅｓｏｕｒｃｅｓ/ｇｕｉｄａｎｃｅ/ｃｒｅｄｉｔ.ｓｈｔｍ

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Collection Agency List Collection Agency Jobs Collection Agency Services Medical Collection Agency Debt Collection Laws Bad Debt Collection Agency Names of Collection Agencies Collection Agencies Laws

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Cecil Lieb 's blog ::Debt Validation – a Powerful Weapon Against Collection Agencies

Cecil Lieb 's blog ::Debt Validation – a Powerful Weapon Against Collection Agencies

Ｆａｌｌｉｎｇ               ｂｅｈｉｎｄ               ｏｎ               ｂｉｌｌｓ               ｉｓ               ａｎ               ｉｎｃｒｅａｓｉｎｇｌｙ               ｃｏｍｍｏｎ               ｅｘｐｅｒｉｅｎｃｅ               ｉｎ               ａ               ｔｏｕｇｈ               ｅｃｏｎｏｍｙ. Ｂｕｔ               ｔｈｅｒｅ'ｓ               ａｎ               ｅｖｅｎ               ｍｏｒｅ               ｓｔｒｅｓｓｆｕｌ               ｅｘｐｅｒｉｅｎｃｅ               ｔｈａｔ               ｏｆｔｅｎ               ｇｏｅｓ               ｈａｎｄ               ｉｎ               ｈａｎｄ               ｗｉｔｈ               ｍｉｓｓｉｎｇ               ｐａｙｍｅｎｔｓ:               ｄｅａｌｉｎｇ               ｗｉｔｈ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ. Ｔｈｉｒｄ               ｐａｒｔｙ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ａｒｅ               ｃｏｍｐａｎｉｅｓ               ｔｈａｔ               ｐｕｒｃｈａｓｅ               ｙｏｕｒ               ｄｅｂｔｓ               ｆｒｏｍ               ｔｈｅ               ｐｅｒｓｏｎ               ｏｒ               ｃｏｍｐａｎｙ               ｔｏ               ｗｈｏｍ               ｙｏｕ               ｏｒｉｇｉｎａｌｌｙ               ｏｗｅｄ               ｔｈｅｍ. Ｔｈｅｓｅ               ａｇｅｎｃｉｅｓ               ｏｆｔｅｎ               ｒｅｌｅｎｔｌｅｓｓｌｙ               ｈａｓｓｌｅ               ｃｏｎｓｕｍｅｒｓ. Ｃｏｎｓｅｑｕｅｎｔｌｙ,               ｔｈｅ               Ｆａｉｒ               Ｄｅｂｔ               Ｃｏｌｌｅｃｔｉｏｎ               Ｐｒａｃｔｉｃｅｓ               Ａｃｔ               ｗａｓ               ｅｎａｃｔｅｄ,               ｗｈｉｃｈ               ｐｒｏｖｉｄｅｓ               ｎｕｍｅｒｏｕｓ               ｐｒｏｔｅｃｔｉｏｎｓ               ｔｏ               ｃｏｎｓｕｍｅｒｓ. Ｈｅｒｅ'ｓ               ａｎ               ｏｖｅｒｖｉｅｗ               ｏｆ               ｗｈａｔ               ｔｈｅ               ｌａｗ               ｓａｙｓ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｃａｎ               ａｎｄ               ｃａｎｎｏｔ               ｄｏ:               Ｗｈｅｎ               Ｃｏｌｌｅｃｔｉｏｎ               Ａｇｅｎｃｉｅｓ               Ｃａｎ               Ｃｏｎｔａｃｔ               Ｙｏｕ                               Ｔｈｅ               ｌａｗ               ｓａｙｓ               ｔｈａｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｃａｎｎｏｔ               ｃａｌｌ               ｙｏｕ               ｍｏｒｅ               ｔｈａｎ               ｏｎｃｅ               ｐｅｒ               ｄａｙ               ａｎｄ               ｍｕｓｔ               ｃａｌｌ               ｏｎｌｙ               ｂｅｔｗｅｅｎ               ｔｈｅ               ｈｏｕｒｓ               ｏｆ               8:00               ａｍ               ａｎｄ               9:00               ｐｍ. Ｆｕｒｔｈｅｒ,               ａ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｍｕｓｔ               ｓｔｏｐ               ｃａｌｌｉｎｇ               ｙｏｕ               ｉｆ               ｙｏｕ               ｓｅｎｄ               ｔｈｅｍ               ｗｒｉｔｔｅｎ               ｎｏｔｉｃｅ               ｒｅｑｕｅｓｔｉｎｇ               ｔｈｅｍ               ｔｏ               ｄｏ               ｓｏ,               ａｎｄ               ｔｈｅｙ               ｃａｎｎｏｔ               ｃａｌｌ               ｙｏｕ               ａｔ               ｗｏｒｋ. Ｔｈｅｙ               ａｌｓｏ               ｃａｎｎｏｔ               ｃａｌｌ               ｙｏｕ               ａｔ               ａ               ｔｉｍｅ               ｙｏｕ               ｈａｖｅ               ｔｏｌｄ               ｔｈｅｍ               ｉｓ               ｉｎｃｏｎｖｅｎｉｅｎｔ               ｆｏｒ               ｙｏｕ.                Ｈｏｗ               Ｃｏｌｌｅｃｔｉｏｎ               Ａｇｅｎｃｉｅｓ               Ｃａｎ               Ｃｏｎｔａｃｔ               Ｙｏｕ                               Ｔｈｅ               Ｆａｉｒ               Ｄｅｂｔ               Ｃｏｌｌｅｃｔｉｏｎ               Ｐｒａｃｔｉｃｅｓ               Ａｃｔ               ａｌｓｏ               ｐｌａｃｅ               ｌｉｍｉｔｓ               ｏｎ               ｗｈａｔ               ｔｈｉｒｄ               ｐａｒｔｙ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｃａｎ               ａｎｄ               ｃａｎｎｏｔ               ｓａｙ               ｔｏ               ｙｏｕ               ｏｎ               ｔｈｅ               ｐｈｏｎｅ. Ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｍｕｓｔ               ｅｘｐｌｉｃｉｔｌｙ               ｉｄｅｎｔｉｆｙ               ｔｈｅｍｓｅｌｖｅｓ               ａｓ               ｓｕｃｈ               ａｎｄ               ｃａｎｎｏｔ               ｐｒｅｔｅｎｄ               ｔｏ               ｂｅ               ａｎ               ａｔｔｏｒｎｅｙ,               ａ               ｆｒｉｅｎｄ,               ｅｔｃ. Ａ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ｃｏｍｐａｎｙ               ｃａｎｎｏｔ               ｔｈｒｅａｔｅｎ               ａｃｔｉｏｎ               ｔｈｅｙ               ｄｏ               ｎｏｔ               ｉｎｔｅｎｄ               ｔｏ               ｔａｋｅ,               ｌｉｋｅ               ａ               ｌａｗｓｕｉｔ,               ｏｒ               ａｃｔｉｏｎ               ｔｈｅｙ               ｃａｎｎｏｔ               ｔａｋｅ,               ｌｉｋｅ               ａｒｒｅｓｔｉｎｇ               ｙｏｕ. Ｔｈｅｙ               ａｌｓｏ               ｍａｙ               ｎｏｔ               ｕｓｅ               ａｂｕｓｉｖｅ               ｌａｎｇｕａｇｅ               ｏｒ               ｒａｃｉａｌ               ｓｌｕｒｓ,               ｏｒ               "ｉｎｔｅｎｔｉｏｎａｌｌｙ               ｈａｒａｓｓ"               ｙｏｕ. Ｔｈｅ               ｄｅｆｉｎｉｔｉｏｎ               ｏｆ               ｉｎｔｅｎｔｉｏｎａｌ               ｈａｒａｓｓｍｅｎｔ               ｉｓ,               ｏｆ               ｃｏｕｒｓｅ,               ｕｐ               ｆｏｒ               ｄｅｂａｔｅ               ｈｅｒｅ.                Ｗｈｏ               Ｅｌｓｅ               Ｃｏｌｌｅｃｔｉｏｎ               Ａｇｅｎｃｉｅｓ               Ｃａｎ               Ｃｏｎｔａｃｔ                               Ａ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ｃｏｍｐａｎｙ               ｃａｎｎｏｔ               ｐｕｂｌｉｓｈ               ｙｏｕｒ               ｎａｍｅ               ｏｎ               ａ               "ｂａｄ               ｄｅｂｔ"               ｌｉｓｔ               ｏｒ               ｓｅｎｄ               ｙｏｕ               ｍａｉｌ               ｔｈａｔ               ｓａｙｓ               ｏｎ               ｔｈｅ               ｏｕｔｓｉｄｅ               ｉｔ               ｉｓ               ｆｒｏｍ               ａ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ｃｏｍｐａｎｙ. Ｔｈｅｙ               ｍａｙ               ａｌｓｏ               ｎｏｔ               ｄｉｓｃｕｓｓ               ｙｏｕｒ               ｄｅｂｔ               ｗｉｔｈ               ｔｈｉｒｄ               ｐａｒｔｉｅｓ,               ｔｈｏｕｇｈ               ｔｈｅｙ               ｃａｎ               ｃｏｎｔａｃｔ               ｔｈｉｒｄ               ｐａｒｔｉｅｓ               ｔｏ               ｏｂｔａｉｎ               ｙｏｕｒ               ａｄｄｒｅｓｓ               ａｎｄ               ｐｈｏｎｅ               ｎｕｍｂｅｒ               ｉｆ               ａｎｄ               ｏｎｌｙ               ｉｆ               ｔｈｅｙ               ｄｏ               ｎｏｔ               ａｌｒｅａｄｙ               ｈａｖｅ               ｉｔ. Ａ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｃａｎｎｏｔ               ｃｏｎｔａｃｔ               ｙｏｕ               ｄｉｒｅｃｔｌｙ               ｉｆ               ｙｏｕ               ａｒｅ               ｒｅｐｒｅｓｅｎｔｅｄ               ｂｙ               ａｎ               ａｔｔｏｒｎｅｙ               ａｎｄ               ｍｕｓｔ               ｃｏｎｔａｃｔ               ｙｏｕｒ               ａｔｔｏｒｎｅｙ               ｉｎｓｔｅａｄ.                Ｏｔｈｅｒ               Ｔｈｉｎｇｓ               Ｃｏｌｌｅｃｔｉｏｎ               Ａｇｅｎｃｉｅｓ               Ｍｕｓｔ               Ｄｏ                               Ａ               ｔｈｉｒｄ               ｐａｒｔｙ               ｃｏｌｌｅｃｔｉｏｎ               ｃｏｍｐａｎｙ               ｍｕｓｔ               ａｌｓｏ               ｉｄｅｎｔｉｆｙ               ｔｈｅ               ｎａｍｅ               ａｎｄ               ｔｈｅ               ａｄｄｒｅｓｓ               ｏｆ               ｔｈｅ               ｏｒｉｇｉｎａｌ               ｐａｒｔｙ               ｔｏ               ｗｈｏｍ               ｔｈｅ               ｄｅｂｔ               ｉｓ               ｏｗｅｄ,               ａｓ               ｗｅｌｌ               ａｓ               ｉｎｆｏｒｍ               ｙｏｕ               ｏｆ               ｙｏｕｒ               ｒｉｇｈｔ               ｔｏ               ｄｉｓｐｕｔｅ               ｔｈｅ               ｄｅｂｔ               ｉｆ               ｙｏｕ               ｄｏ               ｎｏｔ               ｂｅｌｉｅｖｅ               ｙｏｕ               ｏｗｅ               ｉｔ. Ｔｈｅｙ               ｃａｎｎｏｔ               ｒｅｐｏｒｔ               ｉｎｆｏｒｍａｔｉｏｎ               ｔｈｅｙ               ｋｎｏｗ               ｔｏ               ｂｅ               ｅｒｒｏｎｅｏｕｓ               ｏｒ               ｉｎ               ｄｉｓｐｕｔｅ               ｔｏ               ａ               ｃｒｅｄｉｔ               ｒｅｐｏｒｔｉｎｇ               ａｇｅｎｃｙ               ａｎｄ               ｔｈｅｙ               ｍｕｓｔ               ｐｒｏｖｉｄｅ               ｗｒｉｔｔｅｎ               ｖｅｒｉｆｉｃａｔｉｏｎ               ｏｆ               ｔｈｅ               ｄｅｂｔ'ｓ               ｖａｌｉｄｉｔｙ               ｉｆ               ｙｏｕ               ａｓｋ               ｔｈｅｍ               ｔｏ               ｄｏ               ｓｏ.                Ｄｅａｌｉｎｇ               ｗｉｔｈ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｃａｎ               ｂｅ               ｓｔｒｅｓｓｆｕｌ,               ｂｕｔ               ｋｎｏｗｉｎｇ               ｙｏｕｒ               ｒｉｇｈｔｓ               ｃａｎ               ｍａｋｅ               ｔｈｅ               ｐｒｏｃｅｓｓ               ｅａｓｉｅｒ. Ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｃａｎ               ｂｅ               ｆｉｎｅｄ               ｆｏｒ               ｅａｃｈ               ｖｉｏｌａｔｉｏｎ               ｏｆ               ｔｈｅ               ＦＤＣＰＡ,               ａｎｄ               ｙｏｕ               ｃａｎ               ｓｕｅ               ｔｈｅｍ               ｆｏｒ               ｄａｍａｇｅｓ. Ｉｆ               ｙｏｕ               ｂｅｌｉｅｖｅ               ａ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｈａｓ               ｖｉｏｌａｔｅｄ               ｙｏｕｒ               ｒｉｇｈｔｓ,               ｒｅｐｏｒｔ               ｔｈｅ               ｖｉｏｌａｔｉｏｎ               ｔｏ               ｙｏｕｒ               ｓｔａｔｅ               ａｔｔｏｒｎｅｙ               ｇｅｎｅｒａｌ'ｓ               ｏｆｆｉｃｅ               ｈｅｒｅ               ａｎｄ               ｔｏ               ｔｈｅ               ＦＴＣ               ｗｗｗ.ｆｔｃ.ｇｏｖ                Ｓｏｕｒｃｅｓ:                               ｈｔｔｐ://ｆｔｃ.ｇｏｖ/ｏｐａ/2010/01/ａｃａｄｅｍｙ.ｓｈｔｍ                               ｈｔｔｐ://ｆｔｃ.ｇｏｖ/ｂｃｐ/ｍｅｎｕｓ/ｒｅｓｏｕｒｃｅｓ/ｇｕｉｄａｎｃｅ/ｃｒｅｄｉｔ.ｓｈｔｍ

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