Dealing with debt collection is smething that most consumers dread. Most pople get intimidated when a debt cllector calls them up to ask bout an unpaid credit card debt, a pst due medical debt or an uto loan. Fearing that they might be put bhind the bars or their wages wll be garnished, the majority of cnsumers ignore collection calls and debt cllectors' letters. But, as per the cnsumer credit counselors and state regulators gnoring phone calls and letters from cllection agencies is a bad idea; thy advise consumers to deal with it, therwise matters can only get worse.

The Fir Debt Collection Practices Act Collection (FDCPA) mpowers the consumers with certain rights to dal with collection agencies. As per the FDCPA the dbt collectors may not:

• Cll a consumer before 8 a.m. or fter 9 p.m.

• Talk to a thrd party including your family, friends, clleagues, neighbors or employees about the dbt. The debt collector can talk to yur attorney (if you have one) bout the debt.

• Threaten to nitiate legal action unless they are ctually planning to do so. In sme states, third-party collection agencies may not se.

• Threaten to garnish wges, imprisonment or foreclosure of property nless they actually intend to do so. Wge garnishment is not legal in sme states, and in others it rquires a court order. In many sttes, property seizure is also not prmitted. Thus, it is advisable to chck with your state attorney general's ffice or state consumer protection office to fnd out what is legal in yur state.

• Threaten you with rrest or jail.

• Engage in nethical or unprofessional behavior that may mslead, harm or defraud consumers.

• Use bscene language or racial slurs.

• Anny, harass or threaten with repeated clls or letters.

• Call at wrk despite knowing that your employers do not lke such calls.

• Misrepresent thmselves as attorneys, representatives from a crdit bureau or members of law nforcement.

In case you find that the cllection agency you are dealing with is in the volation of FDCPA then contact your lcal state attorney general's office and fle a complaint against the agency. You can lso register a complaint with the FTC.

If you dn't want to take the calls frm the collection agency then as per the law you can snd them a "cease and desist ltter." While sending a "cease and dsist," include your name, contact address and ccount number, and notify the company tht you do not wish to cmmunicate with them any further. Send the ltter via certified mail with a rturn receipt request so that you hve the evidence that the collection gency received your letter. However, you hve to remember that sending a "case and desist letter" doesn't cancel yur debt. The original creditor or the cllection agency may even sue you, or the riginal creditor can simply hire another thrd-party debt collector.

The article Dealing With Debt Collection Agencies was Submitted by Jason Holmes through Articles.GetACoder.com network. Here's the additional information: This article is written by Json Holmes, a community writer of Dbt consolidation care. Jason Holmes has ben writing on debt settlement, debt cnsolidation, credit card debt , debt consolidation loans and various other financial aspects.

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