The Fair Debt Collection Act
The Fair Debt Collections Act is a very useful law that most debtors would be well-advised to learn about. It can be very effective to prevent collection abuses like:
1. Calling debtors at work
2. Hounding debtors at home
3. Sending phony bills that demand more than the amount owed
4. Threatening litigation when the litigation lacks merit
5. Refusing to provide information about the underlying debt
6. Recording false debts with credit reporting bureaus
Don't put up with abuse from the collection creeps. Click that link up there and read the Federal Debt Collections Act, then put some of the law to work. When a collection agency demands collection from you, send them a letter like this:
1. Calling debtors at work
2. Hounding debtors at home
3. Sending phony bills that demand more than the amount owed
4. Threatening litigation when the litigation lacks merit
5. Refusing to provide information about the underlying debt
6. Recording false debts with credit reporting bureaus
Don't put up with abuse from the collection creeps. Click that link up there and read the Federal Debt Collections Act, then put some of the law to work. When a collection agency demands collection from you, send them a letter like this:
Cavalry Portfolio Services, LLC
P.O. Box 27288
Tempe, AZ 85282-7288
Re: Our Client: Jimminy Cricket
Your file # 007411911
Dear Sir or Madam:
Our firm has been retained to respond to the claim set forth in your letter of July 4, 2006.
Please take notice that the debtor disputes the amount and legitimacy of the claim, and requests that you comply with the requirements of 15 USC § 1692g.
Please take no further collections action, and refrain from filing any derogatory information on Mr. Cricket's credit report.
Thank you kindly for your attention to this matter.
Very truly yours,
Magna Legume,