How do I deal with the selection of receivables?

If you have unpaid debts, usually for unpaid exceeding 90 days can be sent to the Agency for Selection of Receivables. This agency then begins to call the collection of receivables and usually sends letters in an effort to collect the owed owed. There are several ways to stop calling calling and also protect your legal rights to privacy.

In the United States, the law on the practices of fair recovery of receivables (FDCPA) is governed by how debt collectors must behave legally. Of course, not all debt collectors adhere to these practices, which means that it is up to you to know the law and remind the collectors when they bring calls to collect receivables. First, if you can repay your debt, you do all the means; If you are not sure that you owe the debt legitimately, you should ask your right to evidence that the debt is yours. Do not pay a debt that you are not sure that it is only to stop the call of receivables; This serves as a confirmation that debt is yours, and thsurratElé debt E can then continue to require additional payment.

Start the file every time the receivable is called. You can ask the debt collector to deal with you in writing, and must be followed; After sending the correspondence to the collection agency, send it by verified mail with the required document and leave all copies. Debt collectors may not call before 8:00 or after 21:00. Your time, so it will also remind them. Also, they are not allowed to bother you, use a foul, call you repeatedly, lie or endanger legal steps if not true. Also, they do not have to contact your friends, neighbors, family members or workplace if they have legitimate contact information for you.

Although it can be tempting, simply do not ignore the call of the claim and hope it will disappear. You know your rights, but also know that it is best to communicate with the collection agency in an effort to develop a plAtbu and eliminate the debt you owe as soon as possible. If you need to hire a lawyer, do it; The collection agency must then contact you through your lawyer. This is just a few of the most important things to keep in mind when dealing with debt collectors, but searching online is found much more information.