Saturday, January 27, 2018

Know the Facts About Debt Collectors: 6 Things You Do and 4 Things You Don’t Do




Brandy Speer
This is a radio show, call in number 310-861-2349

11 AM to 1 PM Pacific Sunday 28 January 2018


Know the Facts About Debt Collectors:
6 Things You Do and 4 Things You Don’t Do
Debt Collection Is the Top Consumer Complaint

                         What To Do When Debt Collector Calls
§  Keep Collections Log
§  Write Request They Stop Contacting You (option)
§  Tell the Collector If You Think You Don't Owe the Debt
§  Tell the Collector You Can’t Afford to Pay (option)
§  Give the Collector Your Current Address
§  Know What the Collector Can and Cannot Do

What Not to Do When a Debt Collector Calls
§  Giving Collector Your Personal Financial Information
§  Making "Good Faith" Payment
§  Making Promises or Admitting Debt is Valid
§  Losing Your Temper

What types of debts are covered?
Can a debt collector contact me any time or any place?
How long can a collection agency attempt to collect a debt?
How can I stop a debt collector from contacting me?
Can they contact anyone else about my debt?
What does the debt collector have to tell me about the debt?
Can they keep contacting me if I don’t think I owe any money?
What practices are off limits for them?
Can they garnish my bank account or my wages?
Can federal benefits be garnished?
What to do if a debt collector sues me?
Where do I report a debt collector for an alleged violation?

Topic Sources                                                    
National Financial Educators Council, National Consumer Law Center, Federal Trade Commission: Fair Credit Reporting Act (FCRA) 

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