When Debt Collectors Call
Upcoming SlideShare
Loading in...5
×
 

Like this? Share it with your network

Share

When Debt Collectors Call

on

  • 1,341 views

This presentation goes over what debt collectors can and can't do when it comes to contacting debtors as laid out under the Fair Debt Collection Practices Act. Also included in this presentation is ...

This presentation goes over what debt collectors can and can't do when it comes to contacting debtors as laid out under the Fair Debt Collection Practices Act. Also included in this presentation is information on how to deal with debt collectors and how to go about reporting them if they violate your rights.

Statistics

Views

Total Views
1,341
Views on SlideShare
1,270
Embed Views
71

Actions

Likes
2
Downloads
8
Comments
0

2 Embeds 71

http://www.fairfaxcounty.gov 70
http://ffxpwdevpgc01 1

Accessibility

Upload Details

Uploaded via as Microsoft PowerPoint

Usage Rights

© All Rights Reserved

Report content

Flagged as inappropriate Flag as inappropriate
Flag as inappropriate

Select your reason for flagging this presentation as inappropriate.

Cancel
  • Full Name Full Name Comment goes here.
    Are you sure you want to
    Your message goes here
    Processing…
Post Comment
Edit your comment

When Debt Collectors Call Presentation Transcript

  • 1. When Debt Collectors Call
    Consumer Affairs Branch
    Fairfax County Department of
    Cable and Consumer Services
    fairfaxcounty.gov/consumer
  • 2. A debt collector is any person, other than the creditor, who collects debts owed to others.
    May contact you if you fall behind in paying your bills or if an error is made on your account.
    fairfaxcounty.gov/consumer
    DEBT COLLECTORS
  • 3. Household
    Family
    Personal debts
    automobile
    medical care
    charge accounts.
    fairfaxcounty.gov/consumer
    What Debts are Covered?
  • 4. Hammer you with phone calls
    Threaten you with court
    Use abusive and profane language
    In the business to make a profit
    fairfaxcounty.gov/consumer
    DEBT COLLECTORS
  • 5. Regulates:
    debt collection companies
    collection attorneys
    Does not regulate the creditor
    fairfaxcounty.gov/consumer
    Fair Debt Collection Practices Act
  • 6. Must identify themselves to you on the phone.
    Must stop contacting you if you ask them to do so in writing.
    fairfaxcounty.gov/consumer
    What Must Debt Collectors Do?
  • 7. Contact you
    In person
    By mail
    Telephone
    Telegram
    Fax
    Contact you between 8 a.m. - 9 p.m.
    Contact you at work only if they know your employer approves.
    fairfaxcounty.gov/consumer
    What Can Debt Collectors Do?
  • 8. Contact other people to find out where you live, your phone number, and where you work.
    Cannot call a third party more than once, unless in special circumstances.
    fairfaxcounty.gov/consumer
    What Can Debt Collectors Do?
  • 9. Harass, oppress, or abuse you or a third party they contact.
    May not lie when collecting debts.
    May not falsely imply that you have committed a crime.
    fairfaxcounty.gov/consumer
    What Can’t Debt Collectors Do?
  • 10. Tell anyone other than you or your attorney that you owe money.
    Indicate that papers being sent to you are not legal forms when they are.
    fairfaxcounty.gov/consumer
    What Debt Collectors Can’t Do?
  • 11. Within five days after they contact you, the collector must:
    Send you a written notice of the amount of money you owe.
    Identify the creditor to whom you owe money.
    Explain what you can do it you do not owe the money.
    fairfaxcounty.gov/consumer
    What Must Debt Collectors Do?
  • 12. If you send a letter within thirty days of receiving the notice stating you do not owe money, the collector may not contact you.
    If the collector sends proof of the debt, such as a copy of the bill, they can renew collection activities.
    fairfaxcounty.gov/consumer
    What Must Debt Collectors Do?
  • 13. SEND A LETTER
    Once the collector receives your letter, they may not contact you again except:
    To say there will be no further contact.
    Notify you that the debt collector or creditor intends to take other specific action.
    Sending a letter does not make the debt go away if you owe it.
    If you owe the debt, you can be sued by the debt collector or the original creditor.
    fairfaxcounty.gov/consumer
    How to Deal with Debt Collectors
  • 14. KEEP RECORDS
    File all collection letters and keep detailed notes of each call.
    Make sure you get the person's name who is calling each time.
    fairfaxcounty.gov/consumer
    How to Deal with Debt Collectors
  • 15. You may sue a collector in a state or federal court within one year from the date the law was violated.
    If you win, you may recover money for the damages you suffered plus an additional amount up to $1,000.
    Court costs and attorney's fees can be recovered.
    fairfaxcounty.gov/consumer
    Violations of the FDCPA
  • 16. Contact the Fairfax County Consumer Affairs Branch for more information:
    12000 Government Center Parkway, Suite 433
    Fairfax, Virginia 22035
    703-222-8435 TTY 711
    www.fairfaxcounty.gov/consumer
    consumer@fairfaxcounty.gov
    fairfaxcounty.gov/consumer
    Contact Consumer Affairs