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If you owe money to someone, the person is called a creditor, and what you owe them is called a debt. The creditor generally has 3 years (4 years if the debt is owed for the sale of goods) from the date the debt becomes due to ask the court to order you to pay. A court order to pay a debt is known as a judgment.
Harassment of the debtor by the creditor ? More than 40 percent of all reported FDCPA violations involved incessant phone calls in an attempt to harass the debtor.
The Maryland Fair Debt Collection Act prohibits debt collectors and creditors from engaging in deceptive, threatening, or other abusive collection behavior. In Maryland, the federal Fair Debt Collection Practices Act (FDCPA) and state law regulate debt collectors.
Debt collectors engaging in harassment (usually with repeated calls) or using abusive language. Debt collectors threatening to contact a third party about your debt (such as a friend, family member, or employer) or otherwise improperly share information about your debt publicly.
The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you.
Debt collectors cannot harass or abuse you. They cannot swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take.
Here's how to remove paid collections from your credit report?or at least try to do so: Send a letter to the debt collection agency or ask via phone for this option. If the agency agrees, get the agreement in writing. Pay the debt. Follow up to make sure the debt is removed from your report.
If you feel that your rights under the Fair Debt Collections Practices Act (FDCPA) have been violated, you have the right to sue the debt collection agency. You must file within one year from the date that your rights were violated. Keep records of all contact that you have with a debt collection agency.