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ArthurtoUse | Дата: Четверг, 16.06.2022, 21:13 | Сообщение # 81 |
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jannauj1 | Дата: Пятница, 17.06.2022, 13:31 | Сообщение # 82 |
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ArthurtoUse | Дата: Пятница, 17.06.2022, 22:05 | Сообщение # 83 |
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| So long as you owe the money, you still have to pay it - even if the debt collector broke the law while trying to collect it. Dealing with debt collectors can be a major hassle. And it’s worse if they use shady tactics. But even when they play by the rules, having a debt in collections is stressful. It also does a lot of damage to your credit rating. It’s much better to stop a debt from going to collections in the first place. If you ever find you’re falling behind on payments, don’t just cross your fingers and hope the lender lets it slide. Instead, contact the creditor yourself. Ask if you can refinance the debt or, failing that, work out a plan to pay it off. Bills can also end up in collections because you don’t know you have them. This can often happen with medical bills. The best way to prevent this problem is to keep a close eye on your mail. Open all bills right away, and if they don’t look right, call the creditor for an explanation. Have you ever dealt with a debt collector? What advice would you offer others about it?
In most cases, this will happen when the bills have gone unpaid for three to six months. Internal Debt Collectors. These are people who work for the company that loaned you the money. Technically, they’re not “debt collectors” at all because that term refers to people who collect debts for others. They are internal, or “first-party,” debt collectors who don’t have to follow the same rules as other types of debt collectors about when they can contact you. However, this doesn’t mean they’re more likely to be rude or aggressive. In fact, it’s in their interest to be polite because they don’t want to make the company look bad. If you start getting calls about a debt that’s less than 90 days overdue, you’re most likely talking to a first-party debt collector. That’s good news because it means your account isn’t officially in collections yet. If you can work out a plan with this person to settle your bill, you can prevent it from being reported to the credit bureaus and hurting your credit score. Collection Agencies. If a lender can’t work out a deal with you, it will turn your account over to a third-party collection agency.
Pretend to Be Someone Else. When debt collectors call you up, they have to say who they are and why they’re calling. They can’t claim that they work for the police, the government, or a credit bureau. They also can’t claim to be lawyers unless they really are. Lie to You or About You. Debt collectors are not allowed to lie to you in other ways as well. They can’t lie to you about whether you owe a debt or how much you owe. They also can’t tell you you’ve broken the law if you haven’t. Debt collectors aren’t allowed to tell lies about you to other people, either. They can’t give false information about your debts to the credit bureaus - or anyone else. Threaten You. Debt collectors aren’t allowed to threaten to throw you in jail if you don’t pay your debt. Owing money isn’t a crime, and you can’t be arrested for it. You can be sued, but debt collectors can’t threaten you with a lawsuit unless they plan to file one. They also can’t threaten to garnish your wages or seize your property unless they actually intend to do it. And they’re never allowed to threaten you with physical harm.
Debt collectors work with lenders to collect on all sorts of debts. According to Nolo, the two types of debt most likely to be sent to collections are credit card debt and unpaid phone bills. Other common types include utility bills, car loans, and medical debt. The Fair Debt Collection Practices Act (FDCPA) sets rules for what debt collectors are and aren’t allowed to do. This law defines a “debt collector” as anyone who regularly collects debts on behalf of someone else. That means the law applies to collection agencies and debt buyers, but not internal debt collectors. Contact You at Home. Debt collectors are allowed to contact you by phone, letter, email, or text message to try and collect on a debt. However, any message they send must clearly state that it comes from a debt collector. Charge Interest. Usually, when you borrow money, you agree to pay it back with interest. A debt collector is allowed to continue charging you that same amount of interest when they take over your debt. However, they can’t charge extra interest or fees that weren’t in your original contract. Take You to Court. Source: - https://nocollectioncalls.com Tags: do i need a lawyer for debt collection
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jannauj1 | Дата: Суббота, 18.06.2022, 15:07 | Сообщение # 84 |
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fannieom4 | Дата: Вторник, 21.06.2022, 17:49 | Сообщение # 85 |
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ArthurtoUse | Дата: Вторник, 21.06.2022, 21:48 | Сообщение # 86 |
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jannauj1 | Дата: Пятница, 24.06.2022, 08:19 | Сообщение # 87 |
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jannauj1 | Дата: Вторник, 28.06.2022, 03:30 | Сообщение # 88 |
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jannauj1 | Дата: Среда, 29.06.2022, 08:17 | Сообщение # 89 |
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jannauj1 | Дата: Четверг, 30.06.2022, 09:50 | Сообщение # 90 |
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ArthurtoUse | Дата: Пятница, 01.07.2022, 17:26 | Сообщение # 91 |
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jannauj1 | Дата: Воскресенье, 03.07.2022, 15:20 | Сообщение # 92 |
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ArthurtoUse | Дата: Воскресенье, 03.07.2022, 23:21 | Сообщение # 93 |
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jannauj1 | Дата: Понедельник, 04.07.2022, 04:51 | Сообщение # 94 |
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Сообщение отредактировал jannauj1 - Понедельник, 04.07.2022, 15:47 |
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jannauj1 | Дата: Понедельник, 04.07.2022, 15:47 | Сообщение # 95 |
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jannauj1 | Дата: Воскресенье, 10.07.2022, 20:29 | Сообщение # 96 |
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Сообщение отредактировал jannauj1 - Воскресенье, 10.07.2022, 23:23 |
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jannauj1 | Дата: Среда, 13.07.2022, 09:03 | Сообщение # 97 |
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jannauj1 | Дата: Воскресенье, 17.07.2022, 15:17 | Сообщение # 98 |
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jannauj1 | Дата: Воскресенье, 17.07.2022, 23:20 | Сообщение # 99 |
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ArthurtoUse | Дата: Понедельник, 18.07.2022, 22:58 | Сообщение # 100 |
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