You have rights, even when your debts aren’t being paid
There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors.
Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
This type of behavior can not be tolerated – even though we legally and morally owe the debt!
The Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act (FDCPA) was prepared by the Federal Trade Commission and enacted in 1977. It covers virtually all personal debts — including credit purchases, mortgages and medical expenses.
There are many sections to the law. One of them is the 15usc, Section 1692a which explains how creditors are supposed to identify themselves when trying to collect a debt.
Another law is the Telephone Consumer Protection Act (TCPA) which explains what kinds of telephone equipment can (and can’t) be used by collectors and how they are supposed to behave.
Wendy and her husband sent cease and desist letter after creditors began excessively contacting them on their cell phones. The frequent calls interrupted them at work and home – and it didn’t change the fact that they didn’t have the money to pay the collectors!
They contacted a bankruptcy attorney to make the calls stop! Fortunately the attorney convinced them to avoid bankruptcy and use the law to protect them from creditors who were behaving badly.
After an 18 month process they had her credit card debt discharged and were awarded some money.
Listen to the podcast to hear Wendy’s story for how they used the Telephone Consumer Protection Act (TCPA) to protect their rights and win the lawsuit.
Wendy would love to connect with you on Facebook and offer any encouragement she can so you don’t feel like you are all alone. You can find her via Facebook at http://Facebook.com/01Nature