Student Loans Consolidation Reviews

If you find yourself behind on bills, a debt collection agency may be contacting you soon. As the country’s difficult financial situation continues companies are becoming more aggressive in turning over delinquent accounts over to collection agencies. The collection firms can be very aggressive, bordering on harassment. It is important that everyone understand their debt collection rights and not feel undue pressure from collection companies.

While many people have turned to a quick credit cash advance provider to pay bills and unexpected expenses on-time and avoid a debt collector, it is important to protect yourself by knowing what a collection agencies cannot do. Here are the main consumer protections against debt collectors provided by the government:

No Harassment: A debt collection firm cannot harass you, your family or friends in pursuit of debt. They cannot threaten you with physical harm or violence, nor can they make your name public in regard to not paying a debt. Further, they may not verbally abuse or use inappropriate language.

No False Statements: This includes misrepresentation of the firm by implying they are an employee of a government agency or that they are an attorney or legal professional. Debt collectors may not imply that you are a criminal for being behind on debt or threaten arrest or other false legal action. Also be aware that debt collection agencies cannot use any fake documentation, such as court or legal orders, or letters and documents from fake companies.

No Unfair Practices: During the collection process, the firm cannot try and collect additional interest or fees that were not part of the original debt. They cannot falsely threaten to seize personal property or contact you via post card (potentially making the information public). If you are on a payment plan and send a post-dated check, they may not legally deposit that check early.

No one wants to be at the mercy of a debt collection agency. Knowing your rights can help you avoid harassment and embarrassment. If you find yourself the victim of unfair or illegal debt collection practices, turn to the Federal Trade Commission immediately through their website or by calling 1-877-FTC-HELP .