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Author Topic: Know Your Credit Rights/Collections  (Read 445 times)

Offline pianoman9701

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Know Your Credit Rights/Collections
« on: December 27, 2022, 10:22:59 AM »
If you're in collections, the debt collector is not allowed to tell anyone they contact that your delinquent/behind/owe any debt. They can ask anyone, including employers, for your contact info. But they can't say why they want it other than to contact you. If you tell the collectors that you can't take personal calls at work, they have to stop calling you at work.

If this has happened to you, you may want to speak to an attorney about your rights. If you're having trouble with debt collection, you can submit a complaint with the CFPB (Consumer Financial Protection Bureau) online or by calling (855) 411-CFPB (2372). Here's the information on the Fair Debt Collection Practices Act (FDCPA).

https://www.consumerfinance.gov/ask-cfpb/can-debt-collectors-tell-other-people-like-family-friends-or-my-employer-about-my-debt-en-332/#:~:text=No.,effective%20on%20November%2030%2C%202021.
"Restricting the rights of law-abiding citizens based on the actions of criminals and madmen will have no positive effect on the future acts of criminals and madmen. It will only serve to reduce individual rights and the very security of our republic." - Pianoman

 


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