Tips on Protection From Debt Collectors
Pennsylvania’s and New Jersey’s Fair Credit Extension Uniformity Act seeks to protect consumers from certain unfair deceptive collection practices. The following is a summary of many of the relevant provisions.
Debt collection practices are not permitted without your express permission or permission granted through the Court Order regarding the following actions:
- Contacting you before 8:00 a.m. or after 9:00 p.m.
- Contacting you at unusual times or places
- Contacting you at work once the debt collector becomes aware your employer does not allow such contact
- Contacting you when the debt collector is aware you are represented by an attorney
- They only contact third parties to ascertain your location and whereabouts
- Debt collectors may not reveal to third parties that you owe a debt
- Debt collectors may not use obscene profanity or non-appropriate language
- Debt collectors may not threaten violence or harm
- Debt collectors may not repeatedly use the telephone to annoy
- Debt collectors may not publish a list of debtors
- Debt collectors may not make false implications of government affiliation
- Debt collectors may not falsely imply you committed a crime
- Debt collectors may not assert false threats of legal action or legal status such as wage garnishment in Pennsylvania
- Debt collectors may not deposit a post-dated check prematurely
- Debt collectors may not attempt to collect more than you owe
It is a good idea to keep a log of when you receive the calls so that way you can help substantiate any impropriety on the part of debt collectors who are in violation of Fair Debt Collection Actions. Please note, there are legal actions available for improper debt collection which can be explored by an attorney who handles consumer advocate rights. As a consumer, you have available legal remedies!
☑ Been paying credit card balances that seem to never go down?
☑ Lost your job and are now having trouble keeping up?
☑ Attempted to work out a payment arrangement to no avail?
☑ Been notified of a mortgage foreclosure action?
☑ Been denied for a mortgage or other line of credit?
If the answer to any of these questions is “yes” then bankruptcy may be an option that you should consider.