Getting a phone call from a debt collector can be scary and nerve wracking if you do not know your rights. It may seem that you are in the wrong, but you should know that in some cases debt collectors attempt to use illegal practices that can force you into making decisions and payments that you are not required to make on your behalf. Knowing what is restricted and illegal according to the federal government can easily make your debt dispute experience more favorable and help improve your credit score immensely.
Debt Collectors cannot speak to third party members about your debt collection so long as you send a letter requested the debt collectors to avoid contact. This includes family members, friends, your work, and any other person that is not you or a member of the debt. There are a few exceptions to the rule:
Power of Attorney: If you are represented by an attorney, the debt collector can only speak to your attorney regarding the matter unless you specifically give the debt collector the right to speak to you. Remember that nearly all calls are recorded by debt collectors so giving this right to the debt collector will be recorded.
Credit Reporting Agencies & The Original Creditor: These parties are privy to this information already meaning they are part of the actual debt dispute.
General Questions: Creditors can call many of those listed above to confirm information such as your name and current residence but cannot:
- Cannot say you owe a debt collector.
- Cannot identify their employer as a debt collector.
- Cannot communicate via postcards
- Mail cannot indicate the company (logos, addresses, etc).
Creditors cannot harass you during inconvenient hours, use violence, foul language, post your name owing a debt.
All of these are considered major violations of your rights. Work with a trusted debt dispute manager to guarantee the proper steps are followed and your rights protected. Contact Infinity Debt Services today!