AOH :: FAIRDEBT.TXT|
Collection Agencies, What You Need To Know
FAIR DEBT COLLECTION
Charley Brown's Office
Consumer Protection Division
Complaints ˙about ˙harrassment by debt collectors are ˙among
the most numerous complaints ˙received by ˙my Consumer Protection
Division. ˙There are both federal and state laws to protect ˙you
from unfair debt collection practices.
A debt collector may contact you in person, ˙in writing, ˙or
by phone. ˙However, ˙a ˙˙debt collector may not ˙contact ˙you at
inconvenient ˙or ˙unusual ˙times ˙or at ˙work ˙if ˙your ˙employer
You ˙may ˙stop ˙a collection agency from contacting ˙you ˙by
writing ˙a ˙letter telling them to stop. ˙Once they receive ˙this
letter, they may not contact you again.
No debt collector may threaten you with criminal prosecution
to scare you into paying a bill. ˙A collection agency cannot sue
you, garnish your wages, or seize collateral on it's own.
Collection ˙agencies ˙cannot ˙use obscene language ˙or ˙make
false ˙statements ˙when collecting a debt. ˙In most cases, ˙˙the
collector is ˙not ˙allowed to tell anyone other than you or ˙your
attorney that you owe money.
If ˙you ˙should encounter problems with ˙a ˙debt ˙collection
agency, ˙please contact my Consumer Protection Agency, ˙toll free
in West Virginia, at 1-800-368-8808.
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