At times in the past, you may have had debts that went unpaid. Debts may have appeared on your credit report that were not actually yours. Afterward, you start to get annoying phone calls from bill collectors trying to collect debts at odd times of the night. These debt collectors begin to call your family, friends, and employer. As a consumer, you have the right to stop these debt collection actions. It is important to understand your rights as a consumer. A Consumer Law Attorney Northampton MA can inform you of rights under FDCPA.
The Fair Debt Collection Practices Act
A debt collector is only allowed to call you between 8 a.m. and 9 p.m. With your permission, a debt collector can contact you outside those range of hours with an appointment. Debt collectors can send text messages and emails. They may also come to your home and place of employment. Consumer Law Attorney in Northampton, MA can advise you regarding unauthorized contact by debt collectors.
Verification
Within five days of contacting you, the debt collector must send verification that you owe the debt. The written verification must answer the following questions:
- How much is the debt?
- Who is the original creditor?
- What actions to take if the debt does not belong to you?
Harassment
If you no longer desire to be contacted by the debt collector, you can verbally tell the collection agency to stop contacting you or you can send the agency a cease and desist letter. Otherwise, if the harassment continues, contact at an attorney.
Contact Us for Assistance
The attorneys at Connor, Morneau & Olin LLP are sensitive to your needs. We offer services in employment law and consumer law. Collectively, we have over 50 years of experience. Contact us at visit us website for a free initial consultation.
