The Bill Collector Letter That Shuts Them Up
Remember that feeling you got when the letter from the bill collector came in the mail? Remember the cold feeling in your gut when you realized that you owed money that you couldn't repay? And after that, the phone calls and additional letters hounding you for the money that you knew you didn't have.
It's time to turn the tables. It's time to learn your rights and to exercise them.
There's a Federal law called the Fair Debt Collection Practices Act that outlines exactly what a collector can and cannot do to collect on a debt. The FDCPA, as it is called, sets limits on when and how a debt collector can contact you.
An example of what a debt collector can't do is to call you at work, unless they're doing it to find out a telephone number to call you at your house. They're also not allowed to inform other people, such as your employer, about any debts that you owe.
Also, debt collectors can't call you or continue to contact you if you tell them that they aren't to do so anymore. That's what we're going to learn to do.
The magic letter to bill collectors is made up of two parts:
The first is your identifying information. This consists of your name, your address, any debt account numbers for the debt that they're trying to collect, and any other info they may need to positively identify you as the debt account holder.
The second part is to let them know that you want them to stop communicating with you, period.
These two things are all that the FDCPA requires that you do to keep the debt collector from harassing you or contacting you in the future. The only correspondence that the debt collector can send you in the future is a letter that says they will cease contacting you, and whether they're going to pursue any legal action to collect on the debt.
When you send this letter, it's always good to send it by certified mail with a delivery receipt requested. The delivery receipt lets you know that the debt collector actually received the letter. Make sure that you keep this receipt in case you ever have to prove that they received the letter.
According to the rules of the FDCPA, if the debt collector continues to contact you in the future, they're in violation of the law. You then have the right to report them to the FTC, which is the agency that actually enforces the FDCPA. After you've notified the FTC about the legal violation by the debt collector, the FTC can take legal action against the debt collector on your behalf.
Be aware that even after you notify the bill collector of your wish not to be contacted, they still have the option of pursuing legal action against you. This letter is only intended to shield you from being harassed by bill collectors. It cannot protect you against a lawsuit filed by the bill collectors in an attempt to collect on a debt. - 23200
It's time to turn the tables. It's time to learn your rights and to exercise them.
There's a Federal law called the Fair Debt Collection Practices Act that outlines exactly what a collector can and cannot do to collect on a debt. The FDCPA, as it is called, sets limits on when and how a debt collector can contact you.
An example of what a debt collector can't do is to call you at work, unless they're doing it to find out a telephone number to call you at your house. They're also not allowed to inform other people, such as your employer, about any debts that you owe.
Also, debt collectors can't call you or continue to contact you if you tell them that they aren't to do so anymore. That's what we're going to learn to do.
The magic letter to bill collectors is made up of two parts:
The first is your identifying information. This consists of your name, your address, any debt account numbers for the debt that they're trying to collect, and any other info they may need to positively identify you as the debt account holder.
The second part is to let them know that you want them to stop communicating with you, period.
These two things are all that the FDCPA requires that you do to keep the debt collector from harassing you or contacting you in the future. The only correspondence that the debt collector can send you in the future is a letter that says they will cease contacting you, and whether they're going to pursue any legal action to collect on the debt.
When you send this letter, it's always good to send it by certified mail with a delivery receipt requested. The delivery receipt lets you know that the debt collector actually received the letter. Make sure that you keep this receipt in case you ever have to prove that they received the letter.
According to the rules of the FDCPA, if the debt collector continues to contact you in the future, they're in violation of the law. You then have the right to report them to the FTC, which is the agency that actually enforces the FDCPA. After you've notified the FTC about the legal violation by the debt collector, the FTC can take legal action against the debt collector on your behalf.
Be aware that even after you notify the bill collector of your wish not to be contacted, they still have the option of pursuing legal action against you. This letter is only intended to shield you from being harassed by bill collectors. It cannot protect you against a lawsuit filed by the bill collectors in an attempt to collect on a debt. - 23200
About the Author:
Sean Payne can teach you plenty about how to get out of debt. After more than a decade of learning about how to get out of debt, he has developed a powerful method to keep bill collectors from calling. You can discover his secrets for getting out of debt at his amazing website.
posted by X - Men @ 2:17 AM
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