1. Find out who is calling you.
- Pick up the phone and ask the caller for the name of the caller
and their location.
- Write down the number on your caller identification.
Either call back the number or Google it.
- Look in your mail. Are you getting collection
- Read your credit report. Do you have any outstanding debt
or debt that is in default? Your credit report must report
correctly. The Fair Credit
Reporting Act requires those that report to report with
“maximum possible accuracy.” If they fail to do so, and fail to
take notice of your complaint into the inaccuracy of their
reporting, you may be able to dispute the credit report error and
recover your losses.
- If you view your report and find errors, this needs to be
disputed immediately and in a specific fashion. See our detailed
instructions on our website or call an attorney
today at no cost.
2. Keep of log of the calls and save all voicemail
messages. For a collector to be violating your
rights under the
Fair Debt Collection Practices Act (FDCPA), it is necessary to
know what the collector is doing and/or saying. Some
- Call before 8:00 a.m. or after 9:00 p.m. or at any time or that
they are given notice that it is inconvenient to call .
- Tell other people (friends, family, co-workers) about the fact
that a debt is owed.
- Call the consumer’s place of employment if they have been
advised that calls cannot be accepted at work.
- Use any profane language or any language that is harassing and
- Engage in any conduct, the natural consequence of which is to
harass, abuse or oppress.
- Make any misrepresentations of fact, such as how much is owed,
or certain actions they may take to force payment
- Threaten arrest or criminal prosecution
- Send false information to the credit bureaus
- Cause a telephone to ring an unreasonable amount of
3. Be careful about scam collection
agencies. It is easy for bogus collection companies
to get information about a consumer and past debts from various
sources. If you get contacted by a collector who threatens
arrest or demands payments ASAP to avoid arrest, demand that the
collector send you proof of the debt. Never provide personal
or financial information over the phone. This includes your
social security number and your bank account information.
4. Contact an attorney at SmithMarco for a free case
review. Our law firm has been protecting consumers
since 2005. If you have a case under the FDCPA,
we can help you earn up to $1000 for violations. Also, we can
help answer questions about collections, disputing debts and other
consumer-related issues. Call to speak
with an attorney or check out our website for useful
information. Our goal is to protect consumer rights.
Don’ t delay, contact us today!