KNOW YOUR RIGHTS WHILE PAYING A DEBT COLLECTOR
If you have an unpaid debt and it is being pursued by a debt collector, chances are that you’re getting contacted by them asking to pay your debt. Not every debt collector goes by the book and follows appropriate procedures, as there are many debt collectors who may try harassing you to get the job done by eventually getting you pay your debt collection. You may get stressed out and tensed thinking about your collection dues, but a debt collector is well known with these situations and they have this advantage over you. To deal with such situations and debt collectors, you must educate yourself with information about your rights.
- You have the right to proof of the debt. By Proof of debt, it simply means that consumer have the right to have key information about debt, provided in the written format within a period of 5 days from the initial contact a debt collector makes.
- As a consumer, you have the right to ask for the name of your debt collector. A debt collector is required to provide the basic details about their agency or company. By asking for these details, you may have the chance to prevent any potential fraud.
- More importantly, you have the right to not be irritated or harassed. A debt collector must not call you before 8 am and after 9pm. They can’t use any abusive language or do something that is classified as harassment.
- A debt collector can’t disclose the details of your debt to any of your friends or co-workers.
These are the important rights provided to you, which you should make use of, while dealing with a debt collector. Paying your debt in time, makes it all more easy for you.