Debtor Harassment - The Basics - A Violation of Your Rights
The law allows that a debt collector can call a debtor between the hours of 08:00 am and 09:
00 pm in the debtor’s time zone.
Which simply means that if the debt collector is calling from the state of Texas, which is in
the central time zone and the debtor lives in Florida, which is in the eastern time zone, the
Texas debt collector may only call the debtor after 08:00 am eastern time and before 09:
00 pm eastern time in order to be in compliance with the
Fair Debt Collection Practices Act (FDCPA).
The debt collector must call with “purpose and intent”. In most cases, the ‘purpose’ is to
inform the debtor of the outstanding debt that is owed and the ‘intent’ is to bring the issue
to an amicable resolution.
00 pm in the debtor’s time zone.
Which simply means that if the debt collector is calling from the state of Texas, which is in
the central time zone and the debtor lives in Florida, which is in the eastern time zone, the
Texas debt collector may only call the debtor after 08:00 am eastern time and before 09:
00 pm eastern time in order to be in compliance with the
Fair Debt Collection Practices Act (FDCPA).
The debt collector must call with “purpose and intent”. In most cases, the ‘purpose’ is to
inform the debtor of the outstanding debt that is owed and the ‘intent’ is to bring the issue
to an amicable resolution.
The debt collector must not engage in
abusive tactics, profanity,
intimidation, threats, illegal coercion
or any other method which causes
undue duress to the debtor, in
attempting to collect past due money.
The debt collector must not contact a
debtor at their place of employment if
the debt collector is aware that in
doing so may jeopardize the debtor’s
employment.
The debt collector may not divulge
any details to any person other than
the debtor or, in some states, the
legal spouse, without the debtor’s
consent.
abusive tactics, profanity,
intimidation, threats, illegal coercion
or any other method which causes
undue duress to the debtor, in
attempting to collect past due money.
The debt collector must not contact a
debtor at their place of employment if
the debt collector is aware that in
doing so may jeopardize the debtor’s
employment.
The debt collector may not divulge
any details to any person other than
the debtor or, in some states, the
legal spouse, without the debtor’s
consent.
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The debt collector must recite a mini Miranda prior to engaging in conversation with a debtor.
A debt collector, upon receiving written notification from a debtor to cease and desist any
further communication, must honor such a request.
There are several other laws under the Fair Debt Collection Practices Act (FDCPA) that a
debt collector must abide by, but the details listed above are the ones that most often get
violated by the debt collector. Most people are unaware that there are such laws that will
protect them and, in some cases, compensate them monetarily if the debt collector violates
such laws.
NOTE: THE PURPOSE OF THIS INFORMATION IS TO PROTECT YOURSELF FROM
UNSCRUPULOUS, ABUSIVE DEBT COLLECTOR TACTICS. THE INFORMATION HERE
WILL IN NO WAY ELIMINATE YOUR OBLIGATION TO SATISFY YOUR JUST
INDEBTEDNESS TO YOUR CREDITOR. PLEASE BE AWARE THAT CONFRONTING AND
SATISFYING YOUR JUST DEBT IS THE ONLY WAY TO ASSURE A SOLID CREDIT
RECORD.
A debt collector, upon receiving written notification from a debtor to cease and desist any
further communication, must honor such a request.
There are several other laws under the Fair Debt Collection Practices Act (FDCPA) that a
debt collector must abide by, but the details listed above are the ones that most often get
violated by the debt collector. Most people are unaware that there are such laws that will
protect them and, in some cases, compensate them monetarily if the debt collector violates
such laws.
NOTE: THE PURPOSE OF THIS INFORMATION IS TO PROTECT YOURSELF FROM
UNSCRUPULOUS, ABUSIVE DEBT COLLECTOR TACTICS. THE INFORMATION HERE
WILL IN NO WAY ELIMINATE YOUR OBLIGATION TO SATISFY YOUR JUST
INDEBTEDNESS TO YOUR CREDITOR. PLEASE BE AWARE THAT CONFRONTING AND
SATISFYING YOUR JUST DEBT IS THE ONLY WAY TO ASSURE A SOLID CREDIT
RECORD.