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About The Author
Declaration Of Purpose:
An exuberant evidence of the use of abusive, deceptive, and unfair credit collection practices along numerous debt collectors led to the assertion of the Fair Debt Collection Practices Act. The purpose of the Act, approved in September 1977, was to eradicate abusive debt collection practices at debt collectors and to promote invariable state action to protect consumers against debt collection abuses and invasions of individual privacy.
The Fair Debt Collection Practices Act laid down characteristic guidelines pertaining to the following procedures:
1. Acquisition Of Information [Sec 804]
Any debt collector questing apt obtain position message of a client would nail himself and his purpose correctly and whether the absence arises likewise expose his owner. At not point during the inquiry process shall the collector state alternatively hint namely a user owes anybody debt, as this shall quantity to aggression of individual solitude. Once the enquiry process has been completed,[link widoczny dla zalogowanych], anyone correspondence thereafter shall be with the lawyer of the said user merely.
2. Communication With the Consumer [Sec 805]
The debt collector may not communicate with the consumer by any such place or period, which may be understood to be inconvenient to the consumer. If the collector has information that an attorney represents the consumer, then any communication with the consumer ought be done only if the attorney fails to answer to the collector's communication.
3. Abuse Or Harassment Of The Consumer [Sec 806]
A debt collector may not engage in any conduct the normal consequence of which is to harass, oppress,[link widoczny dla zalogowanych], or abuse any person in connection with the collection of a debt. A collector may not resort to acts of violence or menaces thereof in mandate to oppress the consumer into obliging to the collector.
4. Misrepresentation For Debt Collection [Sec 807]
A debt collector may no use any disloyal, illusive, or misleading performance or method in articulation with the collection of any debt. The debt collector may not represent or in any way implicate that nonpayment of the debt ambition result in the catch or imprisonment of any human or the seizure,[link widoczny dla zalogowanych], appendix or sale of any property of any human unless such deed is lawful and the debt collector or creditor intends to take such action.
5. Debt Validation [Sec 809]
Within five days after the initial communication with a consumer,[link widoczny dla zalogowanych], the debt collector shall mail the consumer a written notification containing the accurate amount of debt,[link widoczny dla zalogowanych],[link widoczny dla zalogowanych], the name of the creditor and the deserving date of remittance.
6. Civil Liability [Sec 813]
Any debt collector who fails to obey with any provision of this act is liable to such person in an amount equal to the extent of tangible harm to the consumer and may be liable to disburse the consumer the defendant attorney's fees reasonable in narration to the go expended and prices.
The Fair Debt Collection Practices Act provides guidelines for a cloud of debt collection. For always debt collectors, be in-house or collection agencies, it namely must to comprehend the act and stay among the legally permitted boundaries. The Fair Debt Collection Practices Act has enough provisions for collection agencies and departments to assist them obtain the dues from the debtors legally.
Steve Austin
Free collection agency services information at
[link widoczny dla zalogowanych]
This article was posted ashore August 13, 2005