Fair Debt Collection Practices Act states that federal law prohibits collection agencies from engaging in a variety of deceptive or practices of debt collection illegal as threatening debtors, etc. For more information about debt collection then you may search on google about debt collection organization.
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In most cases, the debt collection agency can not contact third parties about the debt you owe. There are some exceptions to this rule such as:
Your Lawyer – A debt collector may contact your lawyer if he knows that you are represented by a single. This means that the debt collector must contact the attorney always debt and should not call you unless you give them permission to contact you or if your lawyer did not respond to messages of this debt collector.
Credit reporting agencies – Most creditors will submit a letter to the three major credit bureaus, including Experian, Equifax, and TransUnion on your debt, and they are legally allowed to do this.
Debt collectors are allowed to contact your spouse, parents, or co-debtors unless you ask for them in writing to stop doing it. If you sent a letter to the debt collector to stop contacting your parents or co-debtor of the debt and if they still do, then they will violate the rules established by the Fair Debt Collection Practices Act (FDCPA).
When a debt collector calls you for the first time, he must state the reason for the call, which is usually an attempt to collect a debt and that any information provided by you, will be used solely for that purpose. In further communication, the debt collector must tell you his / her name and the collection agencies they work.