What actions must a collection agency avoid?
Under the Fair Debt Collection Practices Act, a collection agency may not act in the following ways: Third-party communications. The collection agency cannot contact third parties other than the debtor’s attorney or a credit bureau for any reason other than to locate the debtor. Collection agents who contact third parties must state their names, and may only add that they are confirming or correcting information about the debtor. They cannot give the collection agency’s name unless asked directly. They cannot state that they are calling about a debt. Collection agents may not contact a third party repeatedly unless they believe an earlier response was wrong or incomplete and that the third party has revised information. Further, collection agents cannot communicate with third parties by postcard or by correspondence that uses words or symbols that betray their collection motive. Attorney-represented debtor. A collection agency cannot contact the debtor directly if counsel represents hi
Debtor collectors are notorious for their harassing tactics they sometimes use to collect a debt here in Colorado . In many instances, these collectors overstep their legal right to collect a debt that we can sue them over. Under the Federal Fair Debt Collection Practices Act, a collection agency may not act in the following ways in Colorado : Third-party communications. The collection agency cannot contact third parties other than the debtor’s attorney or a credit bureau for any reason other than to locate the debtor. Collection agents who contact third parties must state their names, and may only add that they are confirming or correcting information about the debtor. They cannot give the collection agency’s name unless asked directly. They cannot state that they are calling about a debt. Collection agents may not contact a third party repeatedly unless they believe an earlier response was wrong or incomplete and that the third party has revised information. Further, collection agent
Under the Fair Debt Collection Practices Act, a collection agency may not act in the following ways: Third‑party communications: The collection agency cannot contact third parties other than the debtor’s attorney or a credit bureau for any reason other than to locate the debtor. Collection agents who contact third parties must state their names, and may only add that they are confirming or correcting information about the debtor. They cannot give the collection agency’s name unless asked directly. They cannot state that they are calling about a debt. Collection agents may not contact a third party repeatedly unless they believe an earlier response was wrong or incomplete and that the third party has revised information. Further, collection agents cannot communicate with third parties by postcard or by correspondence that uses words or symbols that betray their collection motive. Debtor communications: Collection agents may not contact debtors before 8:00 a.m. or after 9:00 p.m., or at
Under the Fair Debt Collection Practices Act, a collection agency may not act in the following ways: • Third-party communications: The collection agency can not contact third parties other than the debtor’s attorney or a credit bureau for any reason other than to locate the debtor. Collection agents that contact third parties must state their names, and may only add that they are confirming or correcting information about the debtor. They can not give the collection agency’s name unless asked directly. They can not state that they are calling about a debt. Collection agents may not contact a third party repeatedly unless they believe an earlier response was wrong or incomplete and that the third party has revised information. Further, collection agents can not communicate with third parties by postcard or by correspondence that uses words or symbols that betray their collection motive. • Attorney-represented debtor: A collection agency can not contact the debtor directly if he or she i
Under the Fair Debt Collection Practices Act, a collection agency may not act in the following ways: Third-party communications: The collection agency can not contact third parties other than the debtor’s attorney or a credit bureau for any reason other than to locate the debtor. Collection agents that contact third parties must state their names, and may only add that they are confirming or correcting information about the debtor. They can not give the collection agency’s name unless asked directly. They can not state that they are calling about a debt. Collection agents may not contact a third party repeatedly unless they believe an earlier response was wrong or incomplete and that the third party has revised information. Further, collection agents can not communicate with third parties by postcard or by correspondence that uses words or symbols that betray their collection motive. Attorney-represented debtor: A collection agency can not contact the debtor directly if he or she is re
