This handbook describes the Fair Debt Collection Practices Act (FDCPA) and discusses how to negotiate with debt collectors and creditors. The handbook is divided into 4 sections. Section 1 briefly describes how consumer credit got started. Section 2 describes how to deal with debt collectors. Section 3 provides a detailed overview of the FDCPA. Finally, Section 4 is a journal for you to use to document your communicatioins with debt collectors.
South Carolina Fair Debt Collection Practices Act Handbook
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US-DCPA-23
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FAQ
The phrase 'I am requesting that you cease all communication' serves as a clear request for debt collectors to stop contacting you. By using this phrase, you assert your rights under the Fair Debt Collection Practices Act. The South Carolina Fair Debt Collection Practices Act Handbook explains how you can effectively communicate such requests and how they protect you.
One of the most common violations involves harassment by debt collectors. They may use threats, excessive phone calls, or publish lists of debtors, which is illegal under the Act. Understanding these violations through the South Carolina Fair Debt Collection Practices Act Handbook can empower consumers to recognize their rights and take action.
Most employers require a bachelor's degree to work as a debt collector. You can pursue an undergraduate degree in an area of studies such as business, finance or accounting. Some students also pursue communications because this can provide knowledge to find and contact those with debts.
Among the insider tips, Ulzheimer shared with the audience was this: if you are being pursued by debt collectors, you can stop them from calling you ever again by telling them '11-word phrase'. This simple idea was later advertised as an '11-word phrase to stop debt collectors'.
All debt collection agencies are legally required to be regulated by the Financial Conduct Authority (FCA), which CPA are. If you go on to the Cash Protection Agency website you will see the FCA badge at the footer of the website.
In South Carolina, creditors and debt collectors can only come after you for medical and credit card debt for three years. They can pursue you for mortgage debt for twenty years and state tax debt for ten years.
7 Most Common FDCPA ViolationsContinued attempts to collect debt not owed.Illegal or unethical communication tactics.Disclosure verification of debt.Taking or threatening illegal action.False statements or false representation.Improper contact or sharing of info.Excessive phone calls.
Your credit card debt, auto loans, medical bills, student loans, mortgage, and other household debts are covered under the FDCPA.
South Carolina Collection Licensing: South Carolina does not require collection companies to be licensed as a collection company. Collection companies must still comply with federal, state and local collection laws. Other licenses or permits may be required depending on the nature of each particular business.
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.
