Debt Collection
There are rules  and laws to debt collection. Whether or not you owe the debts, creditors and the collectors they hire have to follow certain rules when they try to collect the debt from you.

The Rules of Debt Collection

They are not supposed to do things like: 
  • Lie about what kind of debt it is and how much the debt is
  • Lie about whether or not they are lawyers or represented by lawyers
  • Threaten to have you arrested for not paying the debt
  • Threaten to publicly humiliate you
  • Threaten to sue you (if they’re not going to)
  • Threaten to garnish your wages or repo property if they can’t or won’t
  • Call you between 9:00 p.m. and 8:00 a.m
  • Call you at work if you’ve told them not to
  • Continue to contact you after you’ve written telling them not to
  • Continue to contact you directly if they know you are represented by an attorney
Debt Collector Responsibilities
Debt collectors also have responsibilities, things they are required to do. They must:
  • Tell you, the first time they talk to you, that they are working to collect a debt and that any information they gather will be used for that purpose
  • Tell you every other time they communicate with you that they are debt collectors
  • Notify credit bureaus if you formally dispute the debt
  • Provide you with information about the debt, including:
    • A notice that gives you the amount of the debt and the name of the creditor
    • Within 30 days, a statement allowing you to dispute the debt in whole or in part
    • A verification of the debt within 30 days if you dispute the debt in writing
    • A statement that if you request it in writing within 30 days of receiving the notice, the collector will provide you with the name and address of the original creditor if it is different from the present creditor
What We Can Do to Help
You may have options both in dealing with your debt and in dealing with your creditors. Depending on your circumcstances, we can help you:
  • Stop the harassment
  • Direct all calls to our office
  • Negotiate your debt or settle the account
  • Work out a payment plan with the creditor
  • Work to discharge the debt or repay the debt through bankruptcy
  • Sue for money damages if creditors and collectors have broken the law