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Home > Financial Services > Debt Services > What Creditors Can and Cannot Do

What Creditors Can and Cannot Do

Debt is a normal characteristic of Americans' life. Millions of Americans have loaned money to pay for a car or other goods. Some others like home owners have a mortgage. Unfortunately, many of them cannot comply with their payments and, sometimes, loose everything. Do you know what your rights are when a debt collector calls you while you are having financial problems?

Some years ago, these rights were very few certainly, and debtors liberally engaged in several types of rude compilation practices to acquire refunds. They normally call people late in the night or very early in the morning, leave awkward messages at work and threat to damage your credit score.

In an effort to stop abusive practices like the ones mentioned above, Congress created the Fair Debt Collection Practices Act (FDCPA) in the seventies. This applies for the merits of the original debt whether it is relevant or not. The FDCPA includes a lot of regulations for debt collectors about the things they can and cannot do. They cannot call you at inappropriate hours or places, use offensive vocabulary, call you many times in one day, use a false name, or contact you by postcards, among others.

Nevertheless, another aspect should not be ignored. Sometimes, people have debts, and when they cannot pay, they disappear mysteriously and do not comply with their responsibilities with the creditor. This makes those institutions like banks to take legal actions against debtors. Thus, if you are a debtor, try to comply with your responsibilities promptly and keep a good credit record.

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