How Does One Deal With Collection Agencies?


Quick Answer

When dealing with collection agencies, one of the most important things to remember is that any agreements or information a consumer receives should be in writing. Consumers should also know the restrictions that collection agencies have in order to make sure that their legal rights are not being violated.

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Full Answer

Consumers can request that a collection agency provide written details of the funds that are owed and the name of the original creditor that held the debt. If the consumer does not believe that they owe the money, the debt can be disputed in writing. In this case, the collection agency must provide proof that they have the right to collect the debt.

Consumers also need to consider their legal rights when dealing with collection agencies. This can include not being harassed with repeated phone calls, not being contacted at work if a request to stop has been made and not being called before 8:00 A.M. and after 9:00 P.M. Collections agencies are also legally prohibited from using abusive language and making threats to garnish wages, have a person arrested or seize property. Collection agency employees are also barred from claiming to be an attorney or a police officer, and they cannot threaten to sue unless there are plans to move forward with filing.

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