Debt Collection Guide

Debt Collection Practices Section


Debt Collection Practices Navigation

Main Home Page
Tell A Friend about us
Credit Card Debt Collection |
Bad Debt Collection |
Collector Collection Collections Skiptracer Debt Finance |
Fair Debt Collection |
Fair Debt Collection |
Debt Collection Practices |
Debt Collection Letters |
Debt Collection Letter |
Fair Debt Collection Practice Act |
Bad Debt Collection |

List of Debt-Collection Articles

Debt Collection Practices Best seller

Buy it Now!

Best Debt Collection Practices Products

"Legit Online Jobs" - Click Here To Start Earning Today!

Ovation Credit Services
Check out Ovation Credit Services ... Fix your credit profile today! Ovation specializes in credit report repair. This is an awesome program. They get fantastic results and you'll be amazed at the low monthly fee. Highly recommended!

"How To Get A Mortgage"
Terrific resource on obtaining a mortgage, even if you've been foreclosed or filed bankruptcy. On sale now for only $10.00!

Click Here!

Loan Officer 101 Loan Officer Training. Learn How To Make $100,000 Per Year As A Loan Officer With This 18-lesson Training Program, Complete With 28 Marketing Ideas - Now Is The Time To Prepare For The Next Wave Of Lending!

Click Here!

Personal Loans & Visa Approved At Abacus
Offering Personal Loans, Credit Cards For The Credit Impaired.

Click Here!

Mortgage Secrets For Investors
Mortgage Secrets For Real Estate Investors E-book. Stop Getting Bullied By The Banks And Start Closing Your Investor Loans!

Click Here!

Bad Credit Personal Loans Regardless Of Bad Credit - Up To $25,000
Click Here!


Social bookmarking
You like it? Share it!
socialize it


Subscribe to our newsletter AND receive our exclusive Special Report on Debt-Collection
First Name:

Main Debt Collection Practices sponsors


Newest Best Sellers


Welcome to Debt Collection Guide


Debt Collection Practices Article

Thumbnail example

Debt Collection Practices: The Dos and Don’ts

It may be true that you do owe money to the debt collector who is standing at your door. However, that doesn’t change the fact that you are still a client and you deserve to be treated fairly. You have the Fair Debt Collection Practices Act to protect you. This act will help you fight back when your debt collector displays actions that can be considered bad debt collection practices.

By understand the Debt Collection Practices, you will know what your debt collector can and cannot do.

Dos of Debt Collection

The debt collector must employ Debt Collection Practices that respect the rights of the debtor. This means that he should willingly provide the debtor with documents that will verify the nature of his debt. The debt collector must also initiate communication with the debtor. While communicating with the debtor, the collector must be courteous and cooperative.

Here are some of the other Debt Collection Practices that the collector should do:

1) Within five days of the initial contact, the debt collector should send a written document that lists all the details regarding the debt. These include information about the original creditor, the date the debt was incurred, the total amount owed, and the deadline for payment. Also, all the documents should be attached for the debtor’s reference.

2) The debt collector should let you know the steps you need to follow if you want to dispute the debt.

3) The debt collector should honor your requests. If you submit a letter to inform the collector that you no longer want him to call you, he should comply.

4) The debt collector should keep your debt as a private matter.

The Don’ts of Debt Collection

There are some Debt Collection Practices that are designed to intimidate the debtor. These Debt Collection Practices should be avoided. Debt collectors should remain respectful to the debtor. Acts of harassment and abuse are punishable by law.

Here are some of the Debt Collection Practices that are sanctioned by law:

1) Debt collectors are not allowed to contact you at inconvenient places or hours. This means no calls or visits before 8:00 am and after 9:00 pm. This also means that if it is inconvenient for you to talk to the collector when you’re at work, he should stop making calls and visits to your workplace.

2) Debt collectors are not allowed to issue false threats. Unless he fully intends to carry out legal action, the collector cannot say he will sue you. If he says he will sue you, ask for a document from the agency that shows its intention of pursuing legal action. Also, the debt collector cannot scare you with threats of jail or repossession.

3) Any debt collection practice that involves insulting or discriminating the debtor is completely unacceptable.

4) The debt collector cannot physically hurt you if you refuse to pay.