Even people in debt have rights-tbo.com

BY IRIS SERVICEPublished TAYLORMEDIA General News: October 1, 2010

What to if a debt collector has been snooping around in the neighborhood trying to discover information about you?

Or what if is against a debt collector to pay a debt to your former spouse agreed at the Court to pay after her divorce, but that he or she unobserved?

What are your rights?

Mark Schiffman, director Executive educational arm of the collection industry association and Frank Dorman, ACA International Education Foundation a spokesman for the Federal Trade Commission answered the following questions about debt collection:

Is legal for a selector to get in touch with a neighbour or relative coming from you?

Yes, but under the Fair Debt Collection practices Act, the collector can not discuss its debt, said Dorman.Él or she can only wonder where you live, your number phone and where trabajar.El relative or neighbor has no obligation to respond, no more than if someone stops and asking for address somewhere, band Schiffman said.

Can a collector uses the information you have registered in a social networking site?

Is apuesta.puede used to verify who you are and learn tidbits of their financial lives and paradero.Sin however, that may not reach you on that website or publish anything, said Schiffman.

What happens if you continue to receive calls from a collector who insists that a debt, but does it?

"" Comes to prove that you are not the person you are looking for,"said Schiffman.""Unless you speak with you and find out if you are going to continue to contact usted.Que need to verify you."

Dorman said that within five days of first contact of the collector, he or she must notify you in writing stating that he establishes how much should the creditor name and how to proceed if you not think that the dinero.Responder you should immediately in writing.

Can hang the phone if a collector gets unpleasant?

Yes, and you could sue if the collector is abusive or threatening you, for example, Dorman dijo.Informa that the FTC and the Office of the Attorney general.

Can also report the collector to his or her agency compliance or the official ethics, Schiffman in their place. do you remember the rally.though, "at the end of the day, if I hang my phone is my debt will disappear"? no, "said."

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