Bellevue, WA (PRWEB) March 9, 2011
Harassing calls, threats, and obscene language are the latest tactics collection agencies have begun to use to collect money that people may not even owe. Zabasearch.com offers tips and advice to those who face the ordeal of being hassled by a collection agency.
Handling a debt collector can be a stressful experience. Collectors will call at all hours, use threats or obscene language. What's worse, collectors may call employers, family or neighbors. The debt may not even be yours. Consumers can defend themselves from unethical practices by learning their rights. The Fair Debt Collection Practices Act (FDCPA) limits how far a debt collector can go.
Zabasearch.com is committed to protecting and educating potential victims and their family members by providing 24/7 access to information. Once the harassing phone call is received, Zabasearch provides information about the business or person who is contacting you. Your right to privacy is important, and Zabasearch.com wants you to understand your rights by offering the following tips:
1. Know how the collection process works. Why are you being contacted? Usually it is because a creditor has not received a payment in several months. Debt is sometimes purchased by third-party debt collectors for less than you owe, and the collector now owns the debt. Another reason may be that someone has used your identity to apply for credit. You may not be responsible for the debt, but it is often times difficult to convince the collection agency of this.
2. Assert your right to privacy. Tell the caller that you want all future contact in writing rather than on the phone. You can also instruct the caller that they may not call you at work. Make notes of the conversations and start a file. It is important to follow up these requests in writing right away. You can also tell the collector that you are the only person to be contacted in regards to the case.
3. Complain about abusive collection practices. According to the FDCPA, a collector is not allowed to make threats, implied or expressed. A collector should not be using profane or abusive language. Your state may have a set of laws for debt collectors.
4. Ask questions and learn specifics. Often contact from collection agencies is a pre-recorded message that asks you to call a mysterious toll-free number. When a collector calls, get as much information as possible. Request a number where you can reach the caller, use the number displayed on caller ID or dial *69. Once you have the name of the agency visit Zabasearch.com to discover information on the agency, or the possible identity thief. The report will give you more information about the person calling you and potentially confirm the identity of the debt agency.
Zabasearch.com is a leading provider of public records information and people searches that enable consumers to simply search for personal information that is otherwise difficult to dig up, such as social-networking profiles, and other information buried deep in the web.