The debt collectors are the main culprit in creating a disorienting trap for the helpless customers who have the defaulting loans as burdens on their shoulders. The debt collectors themselves rake in millions of dollars each year from the helpless and the unfortunate customers. They obtain most of the money by harassing the customers and also with the illegal tactics. So where do the customers stand in such a difficult snake and ladder game? Although, as a debtor you are under the strict obligation to pay back the loan taken, there are still some rights that you are entitled to, against the debt collectors under the Fair Debt Collections practices Act or the FDCPA.
Here are some of the most frequently asked questions that relate to the debt collectors limit in terms of the FDCPA:
It is completely illegal for the debt collectors to call you during your work hours and at your office. That is a strict violation of the FDCPA law since such calls from the debt collectors may jeopardize your job completely. You can notify the debt collectors so that they stop making calls at your professional premise.
A debt collector cannot make calls to you before 8.00am or after 9.00 pm in your time. In case, you want the debt collectors to stop calling you altogether, you must write an application to them about a cease in communication informing them about not contacting you anymore.
Although the debt collectors can make calls to all your acquaintances so as to gather your contact information, it is completely against the law to reveal their identity as the debt collectors to your known people.
The debt collectors are not allowed to threaten you under any circumstances whatsoever that is illegal. Remember, having a debt is not a crime and you are entitled for help.
