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Frequently Asked Questions on Creditor Harassment
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A debtor can come up with several questions in regard to creditor harassment. After listening to such abusive language over the phone, they are bound to get irate and it can happen that they are not able to endure the calls any more. They often come up with different questions like
- * Can the creditors call them so often?* Can they be so rude or oppressive?* Can they call at work place, call up their family, co-workers and neighbors?* Can they seek for a post dated check?
As the consumers are protected by both the state laws and federal laws, there are certain limitations, if they go beyond limits, the debtors can even sue the debt collectors.
There are some frequently asked questions and answers which would rather educate the consumers also give them a chance to find an answer to their questions:
Can a debt collector call the family or friends?
This right is limited as the creditors can only call to ask about the location of the debtor.
Can a debt collector call at any time of the day and night?
No, they can only call between 8am and 9pm, according to the FDCPA law.
Can a debt collector collect the debt which the debtor feels he actually does not owe?
Under the FDCPA law the debtor can ask for the certified copy of the debt, if he feels that there is a dispute. Debt verification is an important part of FDPCA.
Can a debt collector call and speak to the employer?
Yes he can, but there are limitations as well. The collector can call the employer to inquire only about the location of the debtor, to inquire if there is any medical insurance to cover or to inquire about the wages. The debt collector should not reveal the reason for the call.
What are the different situations where FDCPA applies?
The different situations where FDCPA applies are cases when you are the actual consumer, the debt is a business debt and if there is a violation of consumer right.
What is a consumer debt?
Anything that is not a business debt is a consumer debt which includes debts like car loan, home loan, credit card, utility bills and medical bills.
What are some of the examples of violation of FDCPA?
Some of the examples of violation of FDCPA are unfair conduct, untrue statement and insult of the debtor.
What if the consumers want to discuss about debt settlement? What would be the contact number?
All consumers can call the customer service number to speak to a representative. It is a toll free number 800-530-6854.
