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Do you know what creditors can and cannot do?

Creditors will sometimes contact others to get in contact with you, but what are they allowed to say and not say.  Educate yourself, and if a creditor is in violation of these rules you can report them.  http://www.ftc.gov/os/statutes/fdcpa/fdcpact.shtm#806
 
Check out what the FDCPA has to say about communication:
§ 805.  Communication in connection with debt collection   [15 USC 1692c]
(a) COMMUNICATION WITH THE CONSUMER GENERALLY.  Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt --
(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antimeridian and before 9 o'clock postmeridian, local time at the consumer's location;
(2) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or
(3) at the consumer's place of employment if the debt collector knows or has reason to know that the consumer's employer prohibits the consumer from receiving such communication.
(b) COMMUNICATION WITH THIRD PARTIES.  Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
(c) CEASING COMMUNICATION.  If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except --
(1) to advise the consumer that the debt collector's further efforts are being terminated;
(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or
(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
(d) For the purpose of this section, the term "consumer" includes the consumer's spouse, parent (if the consumer is a minor), guardian, executor, or administrator.

3 Comments to Do you know what creditors can and cannot do?:

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bicycle injury compensation lawyers on Friday, June 21, 2013 2:18 AM
Wonderful!! this is really one of the most beneficial blogs on creditors I’ve ever browsed on this subject on estate planning.I am very glad to read such a great blog and thank you for sharing this good info with
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compensation for motor accidents on Thursday, July 04, 2013 12:49 AM
Julia you provide very nice services of the notary and documentation which is very important for the any case thanks for providing nice services and keep it up.
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Land Use Consultants New York on Thursday, August 01, 2013 12:31 AM
Thanks for sharing these rules with us,it is very useful for public.On violation of any of these rules one can report creditors.
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