Redact Legal New Mexico Fair Debt Collections Forms For Free

If you are struggling with debt and debt collectors, Farmer & Morris Law, PLLC can help. As soon as you use the 11-word phrase ?please cease and desist all calls and contact with me immediately? to stop the harassment, call us for a free consultation about what you can do to resolve your debt problems for good.

Detail the debt amount: State the dollar amount of debt owed, the original date that this amount was due, and any other fees or interest accrued. If there are multiple amounts, include the total amount due. Provide context: Outline events in chronological order. Provide as much detail and context as possible.

Collection of consumer accounts is governed under the New Mexico Collection Agency Regulatory Act, NMSA 1978 §61-18A-1 et seq, hereinafter ?CARA.? A debtor under this chapter is defined as ?any natural person obligated or allegedly obligated to pay any debt.? Debt is defined as ?any obligation or alleged obligation of ...

It is an unfair or deceptive trade practice for any debt collector acting in the regular course of his or her trade or commerce, whether directly or indirectly, by letter, telephone, electronically or by any other means, to collect or to attempt to collect from any person any payment of any debt that the debt collector ...

The FDCPA prohibits debt collectors from using abusive and harassing tactics, contacting consumers outside specific hours, and disclosing certain information about the debt upon request. New Mexico's NMFDCPA provides similar protections, including remedies for FDCPA violations, such as damages and attorney's fees.

A debt collector may not communicate with a consumer at any unusual time (generally before a.m. or after p.m. in the consumer's time zone) or at any place that is inconvenient to the consumer, unless the consumer or a court of competent jurisdiction has given permission for such contacts.