It has been written in several articles and books that you as a consumer have rights as much as creditors do. But what happens is that they want you to stay stupid. The more stupid you are the more they the creditor will win.
So You Must and Need to be smart about creditors and YOU need to know your rights. Everyone in the USA is having some type of credit problem. Even tho there are those who pay there bills on time and those who don’t or can’t, affects everyone. So we are all hurting one way or the other.
Now, because of your situation and your problem, no matter what happen, YOU Still have rights. Don’t let anyone else tell you otherwise. But YOU are the only one who can correct your problem.
After you have figure what went wrong and you have a plan. There are some laws that protect you, no matter what. Now from state to state, lots of the laws do work the same but in some states, they don’t. So check with your attorney generals website. They have a lot of good information about consumer rights.
Be smart and work hard to get it right. You can do it. But here are some tips that will help put your mind at ease until you can get things going again.
Under a law that was passed called the Fair Debt Collection Practices Act, debt collectors MAY NOT:
Contact you earlier than 8:00 a.m. or later than 8:00 p.m.
Contact you by phone after you have requested in writing that they stop.
Contact you at work despite their knowledge of your employer’s disapproval.
Tell people, like your boss or family members, that you owe money.
Tell you that they will take your wages.
Tell you that they will sue you. (Only your creditors can sue you.)
Send you papers that look like court papers.
Talk to you anyone but you. (They are not supposed to talk to your kids.)
They are not to scream or yell at you or cuss you out, in no way or no how.
That is unfair practices and should not be tolerated. You have every right as a consumer to these rights and more Fair Debt can be found in Federal level websites.
So if you encounter any of the acts, report the collecting company to your state general attorney’s office. In a calm and cool state, get a name, company name and address. By LAW when you request this information, they HAVE to give you this information, when requested.
So know your RIGHTS and stay calm and relax. You have rights as much as they do. So use them to the fullest.
