The Fair Debt Collection Practices
The Fair Debt Collection Practices Act is federal legislation that regulates what debt collectors are allowed to say and do. A debt collector is required by law to send you a written notice with the following information within five days of first contacting you:
What is the amount of money you owe on the debt?
The collector's surname
If you don't believe the debt is yours, there are steps you can take.
Read Here: Debt Collectors by Law Firms. For Example, Ask The Law.
If you don't believe the debt is valid, you have 30 days to challenge it with the debt collector or the company that reported the amount. If you dispute a debt, the collector must provide documented proof, such as a copy of the bill, before contacting you again to collect payment.
The Fair Debt Collection Practices Act gives you a few more debt collection protections.
Place and Time-Debt collectors are not allowed to contact you before 8 a.m. or after 9 p.m. unless you consent. They won't be able to contact you at work if your company prohibits employees from making personal calls.
Harassment or abuse – Debt collectors are prohibited from threatening you with physical assault, using vulgar language, or lying to you about the amount you owe or your legal rights.
Attorney representation - If the debt collector is aware that you are represented by an attorney, they must communicate with your attorney rather than you personally.
Your debt collector is only allowed to discuss the details of your debt with you, your spouse, or your attorney. It's entirely possible that they're contacting your friends, relatives, or coworkers to get your contact information.
Finally, if your debt is time-barred, it means that the statute of limitations (the time limit for taking legal action to collect the obligation) has expired. Your debt collector may lose the power to sue you and get a judgment in this situation. However, in some states, if you write a written admission of the obligation or make a payment toward it, the clock will start over.
Never agree to pay upfront fees before debt has been addressed if you decide to engage with a debt settlement business. You could try setting up a free consultation with a bankruptcy attorney as an alternative to a debt settlement service to learn about all of your legal choices.
Debt Collection is a serious work therefore the Debt Collector is a serious and responsible professional work. Even, nowadays the Lawyers especially the Lawyers in Dubai have very good names as Debt Collectors. These Debt Collectors are the best staff for financial matters especially when they are the established advocates. Though the Emirati Lawyers are not doing this the lawyers from other countries mostly work as consultants and having legal experience are being proved very good recovery lawyers or debt settlers, outside the court amicably and in a friendly manner.
Read Off-Topic: Read About Divorce Lawyers Dubai
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