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Mr. Katz can also claim some credit for the increase in lawsuits. He said the site received two million hits in 2009, a 60 percent increase over the previous year. “Debtorboards is geared to help people use the laws as they are on the books as both a shield and a sword,” said Mr. Katz, who says he has won $36,000 from his own litigation against collection agencies. Of course, debt collectors are hardly pleased with the litigation trend. Rozanne M. Andersen, chief executive of ACA International, a trade association for the debt collection industry, said she was “extremely concerned” about the increase in lawsuits, which she said cost her industry hundreds of millions of dollars a year. She said much of the increase was the result of ambiguous language in the Fair Debt Collection Act. Debt collectors are required, for example, to identify themselves on a voice message left for a consumer, she said.

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Once the debt collector receives that notification, the debt collector may no longer contact you directly. This letter is in response to your letter dated Date, concerning the collection of the above referenced account. I am writing pursuant to the Fair Debt Collections Practices Act (FDCPA) to inform you that I am represented by an attorney in relation to the alleged debt associated with my account Account Number with Creditor. Thank you for your cooperation. That letter will not restrict the debt collector from contacting your lawyer about the debt, but if you receive any subsequent direct contact from the debt collector you should notify your lawyer of the improper contact. Your lawyer may be able to use the FDCPA violation to help negotiate a resolution of the debt, or as the basis for taking legal action against the debt collector. If you want a debt collector to stop contacting you about a debt, you may send notice to the debt collector instructing it to stop. Once the debt collector receives that notification, it may contact you only one additional time to notify you that it is ceasing contact, or that the debt collector or creditor intends to take specific action in relation to the debt.

Harassment or abuse - Debt collectors can’t threaten you with physical violence, use obscene language or lie to you about how much you owe or your federal rights. Attorney representation - Normally, if you’re being represented by an attorney and the debt collector knows, they must communicate with your attorney and not you personally. Your debt collector can’t discuss the details of your debt with anyone other than yourself, your spouse or your attorney. If they contact your friends, family or co-workers, it can only be to retrieve your contact information. To learn more, read our full breakdown of your debt collection rights. Should I pay off collections debt? Whether or not you should pay off a debt in collections will depend on your personal financial circumstances and convictions. But if you’re paying off collections debt with the hope of improving your credit scores or you’re worried about a lawsuit, here are a few things to consider.

Source:

- https://nocollectioncalls.com
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