Many consumers are behind
in paying their bills? And, many
consumers are receiving calls from debt collectors. Fortunately, the law says how and when they
can do that. For example, they can’t
call before 8 a.m., after 9 p.m., or while you’re at work if the collector
knows that your employer doesn’t approve of the calls. Debt Collectors may not harass you or lie when
they try to collect a debt. And, if you
ask them in writing to stop calling, they have to stop.
Debt Collectors must send
you a written “validation notice” telling you how much money you owe within
five days after they first contact you. The
notice must include the name of the creditor to whom you owe the money.
If you don’t want the
collector to contact you again, ask for the collector’s mailing address and
tell them – in writing – to stop contacting you. Keep a copy of your letter for your files. Send the original by certified mail, and pay
for a “return receipt” so you’ll be able to document what the collector
received. Once the collector gets your
letter, they are not allowed to contact you again. Sending a letter to a debt collector you owe
money to doesn’t get rid of the debt, but it should stop the contact. The creditor or the debt collector still can
sue you to collect the debt.
If this doesn’t work,
contact me at 888-877-5103 or visit our website at
www.ConsumerRightsOrlando.com.
