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Help with Debt Collections
If you are suffering abuse at the hands of a debt collector, you may be protected under the law. The fair debt collection practices act, or FDCPA, passed in 1977 was meant to protect the rights of consumers like you from abusive third party debt collectors. The legal protection is there, and experts are available to you without costing you any money.
What is a Debt Collector?
A debt collector is someone other than the creditor owed. It is a company or agency whose business is to recover the money owed the creditor on delinquent, or past due accounts. Many Debt Collectors provide collection services for a fee or percentage of the total amount owed. Some Debt Collectors, actually buy the debt and then attempt to collect the entire debt owed themselves.
Is My Debt Covered
The kind of debts covered by the FDCPA are consumer debts; debts that the consumer personally agreed to repay. These debts are generally from a transaction where the expense incurred was for personal, family or household and have not been collateralized- think credit cards, personal loans or medical debt. federal debts are not consumer debts.