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Debt Collection: What You Need to Know

Debt-Credit Consolidation May 7, 2024

Debt Collection

If you are behind in paying your bills, you can expect to hear from a debt collector. A debt collector is someone, other than the creditor, who regularly collects debts owed to someone else. Lawyers who collect debts on a regular basis are considered debt collectors, too.

What You Need to Know

You have rights: Federal law requires that debt collectors treat you fairly. In short, that means:

  • A debt collector may contact you in person, by mail, telephone, telegram, or fax, but may not contact you at inconvenient times or places – for example, before 8 a.m. or after 9 p.m – unless you agree. A debt collector may not contact you at work if the collector is aware that your employer prohibits it.
  • If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people only to find out your address, your phone number, and where you work.
  • A debt collector may not harass, oppress, or abuse you or any third parties they contact about you.
  • A debt collector may not lie or mislead anyone when collecting a debt.
  • WHAT TYPE OF DEBT COLLECTION PRACTICES ARE PROHIBITED?

    by on June 6, 2024 - 0 Comments

    WHAT TYPE OF DEBT COLLECTION PRACTICES ARE PROHIBITED?   Harassment Debt collectors may not harass, oppress, or abuse any person.  They may not:   *  use threats of violence or harm to the person, his/her property, or reputation;   * publish a list of consumers who refuse to pay their debts (except to  a credit […]

  • Debt Collectors -Recovery Services- MA

    by on April 2, 2024 - 0 Comments

    Entity Address Telephone Bonded Collection Corporation 49 Winter Street, Weymouth, MA, 02188 (312) 279-8300 GC Services Limited Partnership  GC Services 5230 Washington Street, West Roxbury, MA, 02132 (405) 621-6414 Western Mass Credit Corp. 70 Post Office Park, Suite 7011, Wilbraham, MA, 01095 (413) 596-9977 United Collection Bureau, Inc. 15 Union Street, Lawrence, MA, 01843 (419) […]

  • FAIR DEBT COLLECTION PRACTICES ACT

    by on June 2, 2024 - 0 Comments

    FAIR DEBT COLLECTION PRACTICES ACT   The federal law, the Fair Debt Collection Practices Act (“FDCPA”), protects consumers from abusive or harassing, false or misleading, and/or unfair practices of third party debt collectors or attorneys attempting to collect debts incurred for personal, family, or household purposes. Business or agricultural debts are not covered by the […]

  • Debt Collectors -Recovery Services

    by on June 13, 2024 - 0 Comments

    Entity Address Telephone A.C.B. American, Inc. 4351 Winston Avenue, Covington, KY, 41015 (859) 261-8745 Advanced Collection Services LTD Mastercheck 55 Whiting Street 2A, Plainville, CT, 06062 860-793-2255 Advanced Collection Services LTD Mastercheck 55 Whiting Street 2A, Plainville, CT, 06062 860-793-2255 Affiliated Group, Inc., The  Affiliated Credit Services 3055 41st Street NW, Suite 100, Rochester, MN, […]

  • Debt Collection FAQs: A Guide for Consumers

    by on April 11, 2024 - 0 Comments

    Debt Collection FAQs: A Guide for Consumers If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from […]