If you are credit problems, it is important to know what creditors and agencies can and what not to collect debts.
The State Consumer Protection Act prohibits certain debt collection practices. Directly with you to do, collection agencies and creditors cannot:
Call more than twice for any debts in each period of 7 days at home or call more than twice for any debt in each period of 30 days except your home coast.
Call, the name of the creditor and the caller's behalf without identifying.
Call him sometimes unlike normal waking hours. If your waking hours are unknown, the creditor or the collector only between 8: 00 A.m. and 9: 00 am can then call
Visit your House sometimes different than those listed above. A collector is not more than once for each period of 30 days for any debt, visit unless you give permission for additional visits.
Charge for long distance calls (or other similar costs).
Call at work, if you not to mention. Oral request is valid, confirmed in writing within 7 days of the application only for 10 days. Written request shall be valid until you enter the deletion of the restriction selector.
How to contact with you directly if the credit institution or the collection said contact his lawyer.
Incorrectly threaten to take legal steps.
Use obscene or profane language.
Furthermore, collection agencies and creditors cannot
You tell no one (also friends, neighbours, relatives or employers) his debts.
Sending a message the collection in a way that open indicates or implies that you have a debt (such as through postcards or descriptive return addresses.)
Federal law provides some additional protections against debt collection agencies. (This law applies to creditors):
Collectors should check their debts. Collectors should stop, you call if you have a period of 30 days when you first contacted the Agency letter indicating that you have no debt. You can renew the collection activities only, if sent to the proven of guilty.
Can a debt collector in contact with you. Write a letter to the collector to tell you to stop contacting you. When the collection agency receives your letter, you can not contact you again except to say that there is no further contact. You can also contact us to inform you if you're going to some specific action to take for example sue him.