In 1977 the United States Congress found "there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors." It reacted by passing the federal Fair Debt Collection Practices Act. The Act spells out what outside debt collectors can and cannot do. Some are obvious, such as not threatening violence. Others are more complicated and technical, such as normally not making phone calls after 9:00 pm or before 8:00 am and not revealing that the call is for collection of a debt if someone other than the debtor or his family answers the phone. A debt collector who makes a mistake is violating federal law.
Pulled that off the internet. I'm pretty sure they violated everything in the Act with their actions. Screw them this is my final decision and i'm not going to pay them. Should have the voicemail up within an hour or so. Sorry for the wait.
Pulled that off the internet. I'm pretty sure they violated everything in the Act with their actions. Screw them this is my final decision and i'm not going to pay them. Should have the voicemail up within an hour or so. Sorry for the wait.