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If you live in Texas and have piled up a huge amount of debt, then you can take the help of various debt relief programs such as debt consolidation Texas, debt settlement Texas etc. But, if you are still lagging behind your payments, then the creditors sell your accounts to collection agencies. Then the debt collection agencies contact you in order to collect unpaid debts from you.
Federal Trade commission passed Fair Debt Collection Practices Act (FDCPA) when they observed that the debt collection agencies were using unethical methods to collect debts from the consumers. You should know that FDCPA is applicable to collection agencies in all the states. Therefore, debt collection practices in Texas must comply with FDCPA.
Debt collection laws
The debt collectors want to get back unpaid debts from you. They offer an alternate payment plan so that you can pay back your debts. You can go for debt consolidation Texas and repay your debts. In spite of that, it is better to discuss with a reputed debt collection law firm so that you will have an idea about your rights. Here are the few debt collection laws that you must know:
- Threats or coercion: While collecting debts, a debt collector cannot use threats, coercion, violence or other criminal means that may cause harm to a person or property of a person. They can’t threat to take criminal action against the consumer when he has not violated a criminal law. Also, the debt collector cannot threat the consumer that he will be arrested for non-payment of consumer debt without any proper court proceedings.
- Harassment: While collecting debts, the debt collector cannot harass, oppress or abuse the debtor by using obscene or abusive language. A debt collector cannot call a consumer without disclosing his name.
- Time: A debt collector cannot contact a consumer before 8am and after 9 pm in a day without his permission. Also, the collector can’t call the consumer repeatedly.
- Deceptive representations: A debt collector cannot use deceptive representation while collecting debts. He cannot falsely represent the amount or legal status of debt; falsely represent that he is an attorney, and falsely represent that nonpayment would result in wage garnishment.
- Third-party: The debt collectors can contact third parties only when they are unable to reach you. However, they can contact third parties only once.
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