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always double check YOUR OWN STATE Government Website www-budhibbs-com statute_of_limitations-htm Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Websitewww-budhibbs-com record-htm From Federal Trade Commission Website ?FAIR DEBT COLLECTION PRACTICES ACT Debt Collection FAQs: A Guide for Consumers If you? s records mistakenly make it appear that you are, a debt collector may be contacting you- The Federal Trade Commission (FTC), the nation?I don't like leaving further information-scares me-the email was very non descriptive as far as WHO they were referring their threats to-they said, they were representing at first , with their vocabulary mixed up-General Attorney, then the email stated it was from the Attoney Generals office, very vague in whom they were looking for-only a dollar amount of ,-, for what, I do not know-other than wire fraud and check fraud, regarding to whom they were referring about- A HUGE SCAM, and frightning And they wrote partial Miranda Rights as well , at the end of their letter- Where does this figure come from, blue sky??, So many SCARE Tactics have been presented to us, once my other halfs identity was stolen- We have had similar threats, but this one really shook him up-he is sick in bed-too much-for a theft of his personal information and identity that nonbody seems to want to do anything about We have a family member that just retired as a Federal Agent from the Secret Serive and said, a very common scam out of Florida,but what MORE can be done-??s office can help you determine your rights under your state?s law-For More Information To learn more about debt collection and other credit-related issues, visit www-ftc-gov credit and My Money-gov, the U-S- government?
Harassment- Debt collectors may not harass, oppress, or abuse you or any third parties they contact- For example, they may not: use threats of violence or harm; publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies); use obscene or profane language; or repeatedly use the phone to annoy someone- False statements- Debt collectors may not lie when they are trying to collect a debt- For example, they may not: falsely claim that they are attorneys or government representatives; falsely claim that you have committed a crime; falsely represent that they operate or work for a credit reporting company; misrepresent the amount you owe; indicate that papers they send you are legal forms if they aren? t legal forms if they are- Debt collectors also are prohibited from saying that: you will be arrested if you don? ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or legal action will be taken against you, if doing so would be illegal or if they don?
t intend to take the action- Debt collectors may not: give false credit information about you to anyone, including a credit reporting company; send you anything that looks like an official document from a court or government agency if it isn?
t; or use a false company name- Unfair practices- Debt collectors may not engage in unfair practices when they try to collect a debt- For example, they may not: try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? allows the charge; deposit a post-dated check early; take or threaten to take your property unless it can be done legally; or contact you by postcard- Can I control which debts my payments apply to?
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