The FDCPA is not just there to point out what the debt collectors can or cannot do. It also provides consumers a platform to raise their complaints.
Dallas, TX (PRWEB) August 19, 2013
Debt Consolidation Whiz, an online source of debt relief information, concentrated on educating consumers about the illegal practices in the debt collection industry. The article, published on August 14, is titled "Collection Practices That Violate The FDCPA."
The article narrates how debt collectors usually come calling when the consumer is unable to pay their dues. Debt Consolidation Whiz does not condone the job description of these collectors since the debt payment is the responsibility of the consumer. However, the website does not approve of how some collectors pursue consumers.
Thankfully, as the article mentioned, the government came up with ways to help protect consumers against these abusive collection practices. It is all found in the Fair Debt Collection Practices Act or FDCPA. This is a law that details the good and bad practices that debt collectors must follow or avoid.
To help educate consumers so they can identify when the debt collectors are violating the law, the article enumerates the following practices that are in violation of the FDCPA.
1. Asking the consumer to pay a debt that they did not make.
2. Asking the consumer to pay more than the actual debt.
3. Harassing the consumer by calling frequently and during hours between 8pm to 9am.
4. Talking to other people about the consumer’s debt.
5. Using abusive, threatening, profane and insulting language to rattle the consumer.
6. Lying to get the consumer to pay.
7. Calling even when the consumer requested the debt collector to stop calling.
This is a summarized version of the possible violations of debt collectors and Debt Consolidation Whiz encourages consumers to know more about it.
In case the debt collector is not following the rules and regulations in this law, the article provided three different areas wherein the consumer can file their complaints.
1. State Attorney General’s Office
2. Better Business Bureau
3. Judicial court (civil and federal)
Of course, the consumer can file their complaint through the Federal Trade Commission or FTC. This is the government agency implementing this law. The article explained that the FDCPA is not just there to point out what the debt collectors can or cannot do. It also provides consumers a platform to raise their complaints.
To view the rest of the article, visit the website of Debt Consolidation Whiz or click on this link: http://debtconsolidationwhiz.com/collection-practices-that-violate-the-fdcpa/.
Debt Consolidation Whiz is a website that provides unbiased reviews of debt relief companies. The site is also a source of helpful information about debt, debt relief and personal finance.