Collections Harassment Laws

State:
Multi-State
Control #:
US-DCPA-18.1BG
Format:
Word; 
Rich Text
Instant download

Description

The document titled 'Letter Informing Debt Collector of Harassment or Abuse in Collection Activities Involving Threats to Use Violence or Other Criminal Means to Harm the Physical Person, Reputation, and/or Property of the Debtor' serves as a formal communication to a debt collection agency regarding violations of collections harassment laws, specifically Section 806 of the Fair Debt Collection Practices Act. This letter includes essential details such as the debtor's contact information, collection agency's details, and a specific incident date where harassment occurred. It prompts the agency to cease illegal behavior while documenting the alleged misconduct of its employee. This form is particularly useful for attorneys, paralegals, and legal assistants who support clients dealing with abusive debt collection practices. It helps articulate the law and the specific transgressions clearly, serving as evidence for potential legal action. The letter is easy to fill out, requiring users only to add personal information and incident descriptions, which streamlines its use in high-stress situations. It prepares individuals to take a stand against harassment, ensuring their rights are protected.

How to fill out Letter Informing Debt Collector Of Harassment Or Abuse In Collection Activities Involving Threats To Use Violence Or Other Criminal Means To Harm The Physical Person, Reputation, And/or Property Of The Debtor?

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FAQ

There are laws to prohibit debt collectors from placing repeated or continuous telephone calls to annoy, abuse, or harass you or others who share your phone number. They're also prohibited from communicating with you at times or places that are inconvenient for you.

Ing to the Federal Trade Commission, a debt collector may almost certainly call you more than once, but six calls per day is probably too many. Between these extremes, it depends on the facts of your particular case.

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. They also cannot make repeated calls over a short period to annoy or harass you.

This is where we get our "7-in-7" concept. You can attempt to contact a consumer about 1 debt 7 times in 7 days. And it's the "1 debt" that's key here. Phone numbers do not matter; how many debts your agency has for the consumer does.

However, the Federal Trade Commission recently clarified the rules regarding collections, now clarifying that collectors cannot call you more than seven times within a seven-day period or within seven days of speaking to you about a debt.

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Collections Harassment Laws