Here we will show you how to accomplish more than simply stopping a bill collector’s calls. In many instances, mistakes made by bill collectors can not only make them stop calling, but even cause your account to be cleared and closed out.

The Consumer Protection Act governs the activities of collection agencies and in-house collection departments. If you can gain a working knowledge of this act, you can use its provisions to turn the tables on bill collectors and beat them at their own game!

Rules Collection Agencies Have To Play By

Bill collectors will almost always violate some part of the Consumer Protection Act while handling your case. This is why it is imperative for you to keep good documentation of their contact with you. Often, it takes several steps for them to hang themselves. You must have every inch of the way well documented.

In general, a bill collector may contact you by mail, telephone, telegram or in person. Also, unless otherwise advised, a bill collector can call you seven days a week, between 8 AM and 9 PM local time where you live or work. When calling, a creditor cannot in any way discuss your matters with persons other than you. A bill collector MAY ask about your whereabouts or how to reach you, but, they cannot give information about the reason for their call.

The Consumer Protection Act prohibits bill collectors or creditors from using harassing or abusive practices. Creditors or bill collectors cannot: threaten to use violence or other criminal means to cause you physical harm or harm to your reputation or property, use obscene or profane language, publish your name on a “list of debtors” if you allegedly refuse to pay debts except to a consumer reporting agency such as EXPERIAN, Equifax, or TransUnion, engage you in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass you or any other person at the called number, or place a telephone call to you without meaningfully disclosing their identity.

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