5 things debt collectors cannot do in Chicago

Published 1 month ago Views (16) Business Finance

Debt collectors can be aggressive sometimes and may try to perform illegal practices to collect the debt from the consumers. They could also mislead, coerce, and harass you for the debt. But the law has put some restrictions on the debt collectors and the companies. The fair debt collection practices act (FDCPA) is a federal law that regulates what debt collectors can do and cannot do in debt collection. Let us see what the law prohibits debt collectors from doing.

5 things debt collectors cannot do

Harassment

A debt collector can harass a consumer in any form. There are specific ways listed on the law in which the debt collectors cannot harass you. They cannot:

Call you repeatedlyUse profane or obscene languageCall you at work, if you have negated it in writingCall you before 8 am or after 9 am (if you do not permit)Threaten with violence/harmIf you have forbidden to contact you at all(in writing) or only to contact your attorney

No workplace visits

It is illegal for a debt collector to visit you at your workplace to collect a payment, and they can not harass you at work in person by publicizing your debts or showing up at...

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About Author (Courtney)

Courtney Milan writes books about carriages, corsets, and smartwatches. Her books have received starred reviews in Publishers Weekly, Library Journal, and Booklist. She is a New York Times and a USA Today Bestseller.