Rhode Island Communications from Debt Collector
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FAQ
But why do debt collectors call? You typically only receive collection calls when you owe a debt. Collection agencies buy past-due debts from creditors or other businesses and attempt to get you to repay them. When debt collectors call you, it's important to respond in ways that will protect your legal rights.
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.
Never Give Them Your Personal Information. A call from a debt collection agency will include a series of questions. Never Admit That The Debt Is Yours. Even if the debt is yours, don't admit that to the debt collector. Never Provide Bank Account Information.
Verify that it's your debt. Understand your rights. Consider the kind of debt you owe. Consider hardship programs. Offer a lump sum. Mention bankruptcy. Speak calmly and logically. Be mindful of the statute of limitations.
Your full name and address. The collections agency's name and address. A request for the amount of the debt claimed to be owed. A request for the name of the original creditor. A request for the judgment information (if applicable) A request for proof of the company's license.
This is not a good time. Please call back at 6. I don't believe I owe this debt. Can you send information on it? I prefer to pay the original creditor. Give me your address so I can send you a cease and desist letter. My employer does not allow me to take these calls at work.
When a Debt Collector Calls, How Should You Answer? The phone call from a debt collector never comes at a good timebut the best response is to confront the state of these affairs head-on. You may want to hide or ignore the situation and hope it goes awaybut that can make things worse.
The FDCPA does not permit debt collectors to disclose your personal information to any third party. This means that if your voicemail is shared with your family or roommates or if it is monitored by your employer, debt collectors are not allowed to leave a message. Messages can only be left on private voicemail.
