Debt Collectors Cannot Yell, Curse or Threaten YouThere are Rules Governing Debt Collectors Debtor collectors are not allowed to call you before 8 am or after 9 pm (your time zone, not the caller’s). They cannot yell, swear, use crude language or threaten you in any way or do anything else that could be seen as harassment. Nor can they threaten to do something that they are not legal allowed to do – such as come to your home and take your property (without the appropriate court order). The FDCPA is a federal law that limits what debt collectors can do. Fraud, Identity Theft, Phantom Debt and Others According to Consumer Sentinel’s 2018 Data Book, published February, 2019, has consumers complaints about: fraud, identity theft and other consumer protection topics. Reporting agencies received about 608,000 complaints from consumers about debt collectors. Of those, more than 40 percent concerned efforts to collect “phantom debt”…
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