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20.09.13 / Uncategorized / Author: / Comments Off
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When Collection Agencies Overstep Their Bounds,meizitang real pills
Many collection agencies employ unfair, deceptive,meizitang real pills, or downright illegal tactics when trying to settle accounts sent to collection. The majority of their victims are poor and/or non-English speaking individuals. However, anyone who has had an account sent to collections could find them self on the receiving end of their unfair and deceptive practices. You do have recourse if you’ve been a target of their shady practices.

Some of the common practices employed by collection agencies are to use profanity,meizitang real pills, intimidation, or threats to extract money from debtors. They have even been known to impersonate law personnel or falsity documents in their quest to extort money. Sometimes they have even pulled the adult children or parents of debtors into the fray. None of these practices are allowed. Even debtors have rights and those rights are protected specifically under the Fair Debt Collection Practices Act (FDCPA). The Act provides recourse for those who have been the victim of repeated violations, especially if they have a witness. If you can prove your rights were violated, you can even sue or possibly receive punitive damages.

If you have been the victim of an overzealous collection agency, you owe it to yourself and others to hold them accountable for their misdeeds. Do this by lodging a formal complaint right away with the proper authorities. Not only will that help prevent further victims,meizitang real pills, but it could lead to the forgiveness of your entire debt.

There are three ways to pursue a complaint about a collection agency. You can contact the Federal Trade Commission (FTC), your state Consumer Protection Agency, and/or your original creditor. Your original creditor can be held liable in some cases, so they should be really interested.

Start with a simple letter to your creditor clearly stating the violations committed by the collection agency. In it, let them know you would be willing to forgo further legal action, in exchange for the forgiveness of your debt and removal of all related negative entries on your credit report. This might be all the action you need to take. Most creditors don’t want to risk the embarrassment and potential damage to their reputation if a case goes to court.

Victims of abuse by overzealous collection agencies have specific legal protections. When pursuing a complaint, make sure any violations have been fully documented and that you have a witness,meizitang real pills, if possible. Creditors can be held responsible for the illegal actions of collection agencies made on their behalf. Standing up for yourself if you have fallen prey to an unscrupulous collection agency can benefit both other potential victims, as well as your wallet.