Here is a brief review of your rights under the FDCPA:
•It details a person’s right to request more information about the alleged debt. The procedure is called debt validation and it’s a powerful intervention that we will be explaining in greater detail. Until then, understand that debt validation allows every consumer the right to dispute the validity of the debt. The collection agency must respond with proof that the debt belongs to the person, otherwise they must stop collection efforts and REMOVE the account from all credit reporting agencies. Debt validation is an effective tool for removing collection accounts.

•Provides behavioral standards for acceptable third-party collections. The following are examples of violations:
oThe collection agency threatens to tell your client's employer or neighbors about the debt, or actually does tell them about the debt.
oThe collection agency speaks about the debt to a party that is not responsible for the debt
oPre-Texting- The collection agency acts as another company in an effort to gain additional information. Here is an example: the collection agent claims to be from a raffle/prize company and notifies the debtor that they “Won” in order to extract information about their finances, employment or other items.
oThe collection agency calls at unreasonable hours. 9:00 p.m. - 8:00 a.m. is considered unreasonable under the federal law.
oThe collection agency threatens to take action against the person that it cannot legally take (for example, threatening to take money out of their Social Security check or threatening arrest or jail).
oThe debt collector communicates with the person in a manner to harass, intimidate, threaten, or embarrass the debtor.
oThe debt collector communicates with the person or spouse more than three times in a single week.
oThe debt collector communicates with the person through the use of notices that look like government documents, or emergency messages.
oThe debt collector is prohibited from soliciting a postdated check in order to threaten criminal prosecution. A postdated check may not be deposited by a collector before the date on the check. Additionally, a collector's acceptance of a postdated check violates the law unless it gave the consumer who wrote the check 3 to 10 business days notice prior to depositing the check.

•Requires debt collectors to immediately identify themselves when communicating with the person whether it is on the telephone “Hi this is Joe from ABC collections” or in written form “This corresponded is an attempt to collect a debt.” This helps to prevent sneak attack behavior. Allows a person to request that the collection agencies stop contact with them. This is formally called “cease and desist.” However, this is not recommended because the collector will have no other choice but to take the person to court. So be careful before you send any letter with the words “cease and decease” on it, as you might get your client sued.

Author's Bio: 

About the Author - Kim Carpentier is Owner and General Manager of Valley Credit Builders (www.valleybusinesscredit.com). He is using his 35 years of successful business ownership, and transition, to help small business owners build business credit so they can separate the financial responsibilities between business and personal credit. He specializes in helping business owners establish excellent business credit scores and then leverages those scores to access cash and credit for their businesses without their personal guarantees. The Business Credit and Funding Suite is the leading business cash and credit access system in the world today.
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