Illinois Notice of Violation of Fair Debt Act - Letter To The Federal Trade Commission
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How to fill out Illinois Notice Of Violation Of Fair Debt Act - Letter To The Federal Trade Commission?
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FAQ
Debt collectors have a reputationin some cases a well-deserved onefor being obnoxious, rude, and even scary while trying to get borrowers to pay up. The federal Fair Debt Collection Practices Act (FDCPA) was enacted to curb these annoying and abusive behaviors, but some debt collectors flout the law.
Top 7 Debt Collector Scare TacticsExcessive Amount of Calls.Threatening Wage Garnishment.Stating You Have a Deadline.Collecting Old Debts.Pushing You to Pay Your Debt to Improve Your Credit ScoreStating They Do Not Need to Prove Your Debt ExistsSharing Your Debt With Family and Friends.
7 Most Common FDCPA ViolationsContinued attempts to collect debt not owed.Illegal or unethical communication tactics.Disclosure verification of debt.Taking or threatening illegal action.False statements or false representation.Improper contact or sharing of info.Excessive phone calls.
3 Things You Should NEVER Say To A Debt CollectorAdditional Phone Numbers (other than what they already have)Email Addresses.Mailing Address (unless you intend on coming to a payment agreement)Employer or Past Employers.Family Information (ex.Bank Account Information.Credit Card Number.Social Security Number.
I am responding to your contact about collecting a debt. You contacted me by phone/mail, on date and identified the debt as any information they gave you about the debt. I do not have any responsibility for the debt you're trying to collect.
Your credit card debt, auto loans, medical bills, student loans, mortgage, and other household debts are covered under the FDCPA.
The FTC enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits deceptive, unfair, and abusive debt collection practices.
Among the insider tips, Ulzheimer shared with the audience was this: if you are being pursued by debt collectors, you can stop them from calling you ever again by telling them '11-word phrase'. This simple idea was later advertised as an '11-word phrase to stop debt collectors'.
You only need to say a few things:This is not a good time. Please call back at 6.I don't believe I owe this debt. Can you send information on it?I prefer to pay the original creditor. Give me your address so I can send you a cease and desist letter.My employer does not allow me to take these calls at work.
If you choose not to speak with a debt collector over the phone or in writing about a debt, collection activity can still take place. You continue to run the risk of fees and finance charges, as well as being sued or the debt being reported as delinquent to the credit reporting companies.
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When I send a complaint, what happens? If the complaint relates to a consumer product or service, the Federal Trade Commission (FTC) determines the complaint is a valid inquiry regarding a violation of a federal law. The FTC then sends a letter or makes an oral request to either the company's chief executive officer or the CEO's lawyer. Complaints that relate to non–consumer products or services (for example, noncompetitive businesses or unfair competition) may come from the FTC's office of investigations. A complaint against a business will be directed to that office. If the complaint has not yet ended, it can be forwarded to the enforcement officer that is assigned to your state. For example, if you report fraud to the FTC, the agency could investigate a business's fraud practices, and the attorney general could refer it to the agency's enforcement division.