Our Community Power Blog

Hi!!!!!! I’m planet FDCPA, better known as The Fair Debt Collection Practices Act. I’m like a magic bullet that saves you from the annoying debt collectors. If you are one of those people who are behind on their bills and are trying hard to clear the mess ….but are intimidated by the bill collectors, then I’m your friend.

Debt collection industry has been historically obnoxious. They use ways of intimidation and harassment to coerce people into paying debts which they either don’t owe or can’t afford to pay. Amidst such circumstances, I the planet FDCPA, protect your rights. So, if you don’t want to get bullied by the debt collectors then you have to know me. Are you ready??? Settle in and sneak a peep!!

One of the common practices of debt collectors is to call you at all times of the day. But do you know, a collector can only contact you between 8 A.M. and 9 P.M., and not during the time that they know is inconvenient to you. If you do not want any kind of communication with them, then you can send them a cease and desist letter asking them to “stop contacting me”. After receiving the letter the collector can only contact you once to let you know about their future actions.

The collectors can call your friends, family, relatives and even employers for your contact information. But the condition is they can not indicate to anyone that you owe money to them. The collection agency cannot send you collection notices by postcard or letters with the word COLLECTION on the envelope.

A collector has to act in accordance to these guidelines to collect money. If he does, then it will be called sheer violation and I’m not at all OKAY with it. Do not forget my friends FTC and BBB!!! They will catch you….that’s my promise.