If $255 Payday Loans Online Same Day Is So Horrible, Why Don't St…
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5 Things Debt Collections Aren't Able to do -- but 5 Things Debt Collectors Can Advertiser disclosure You're our first priority. Everytime. We believe that every person should be able make financial decisions without hesitation. Although our site does not include every company or financial product available on the market We're pleased of the advice we provide and the information we offer as well as the tools we design are objective, independent simple, and cost-free. How do we make money? Our partners compensate us. This may influence which products we write about (and where those products appear on the site) however it in no way affects our advice or suggestions that are based on hundreds of hours of research. Our partners are not able to pay us to guarantee favorable ratings of their goods or services. . 5 Things Debt Collectors Can't Do -- and 5 They Can Debt collectors have restrictions on how they can pursue you for payment, but they can pursue you for a lawsuit. By Sean Pyles Senior Writer | Personal finance, credit, and personal finance Sean Pyles leads podcasting at NerdWallet as the host and producer of the NerdWallet's "Smart Money" podcast. The show "Smart Money" Sean talks with Nerds from NerdWallet's NerdWallet Content team to answer the listeners' questions about personal finance. With a focus on thoughtful and actionable financial advice, Sean provides real-world guidance that can help consumers better in their finances. Beyond answering listeners' money questions on "Smart Money," Sean also interviews guests who are not part of NerdWallet and creates special segments to explore topics like the racial wealth gap, how to start investing and the background of student loans. Before Sean was the host of podcasting for NerdWallet He also covered issues that dealt with consumer debt. His writing has been featured throughout the media including USA Today, The New York Times as well as other publications. When he's not writing about personal finances, Sean can be found digging around his garden, going on walks, or taking his dog on long walks. Sean is located within Ocean Shores, Washington. Mar 24, 2022 Edited by Kathy Hinson Lead Assigning Editor Personal finances, credit scoring debt and money management Kathy Hinson leads the core personal finance team at NerdWallet. Prior to joining NerdWallet, she worked for 18 years working at The Oregonian in Portland in positions such as copy desk chief and team editor and designer. Prior experience includes news and copy editing for various Southern California newspapers, including the Los Angeles Times. She earned a bachelor's degree in mass communications and journalism in Iowa's University of Iowa. A majority of the products we feature are from our partners, who pay us. This affects the products we review and the location and manner in which the product is featured on the page. However, this does not affect our assessments. Our views are our own. Here's a list of and . If you are feeling helpless confronting debt collectors, know that their tactics are limited by . Here are five things that- those who collect a credit on behalf of another creditor, and five they can. 5 things that debt collectors shouldn't do 1. Go to work In the context of the FDCPA, it's illegal for an individual to visit your work place to collect payment. The law prohibits you from releasing your debts and bringing on your work premises to collect your debts. This means that creditors are not able to harass the employees in person at your workplace. But, a debt collector as well as a credit card company, might call you while at work, even though they aren't able to tell the other employees that they're debt collectors. If you request the debt collector not to call you at work, then by law, they must stop. Ready to conquer your debt? Keep track of your spending and balances in one place to see the way to get out of credit. 2. Harass you Harassment by debt collectors may come in a variety of forms: Repeated calls. Violence threats. Publicizing information about you. Language that is abusive or vulgar. All of these are illegal under the law on debt collection practices. 3. Arrest you for debt You can't be arrested for a debt you owe to a debt collector. However, if a collector pursues you for debt and you fail to attend the court, you could lose in default and be required to pay. If you refuse to comply with that judge's order, that collector may pursue an arrest warrant. 4. Pursue you for debt you don't owe The field of debt collection is full of errors. Incomplete or inaccurate documentation can make a debt collector seek out the wrong person to payment, or pursue the right person for the debt that they have already paid. This issue isn't uncommon but it's not legal. If you are unsure about a debt you're being asked to pay, you should start by doing a a review of your credit reports. You can get them for free through . Remember that collectors may contact family members or executor to discuss debt repayment, but they cannot make up a false impression that someone is obliged to pay those debts. 5. You can contact them at any time they'd like Debt collectors can't call you prior to 8 a.m. or after 9 p.m. You may also request that a debt collector stop making calls or writing letters in pursuit of payment for the debt. The obligation to pay the amount owed is not over, however. >> LEARN: 5 things debt collectors may do 1. Seek payment on an expired debt All debts that are unsecured, such as medical bills or credit cards are subject to the same . The date after which the debt becomes "expired" meaning that you can't be sued for repayment. However, you are still owed it and debt collectors may still seek payment on the old financial obligations. 2. You can't let it go. Although debt collectors aren't able to threaten you or mislead you, they may use pressure to get payment. The method of pressure may include regular phone calls, frequent letters or discussions about filing an action to collect the debt, as long as they remain within the bounds of the law. 3. Sue you for payment on an outstanding credit Debt collectors are often an attempt to collect debt as a last resort. These lawsuits often result in the garnishment of wages or bank levies, or both, since the majority of people who are in debt don't appear in the court, and they lose because of default. 4. Sell your debt A debt collector can sell debts it isn't successful in collecting and also sell the remaining balance even if only a small amount of repayment was received. So if one debt collector doesn't contact you anymore about a debt, don't be surprised if another starts. If you decide to make a payment on a debt in full, make sure you have the contract in writing to be able to be able to prove the agreement. 5. Negotiate what you are owed Since debt collectors purchase debts for pennies on the dollar, they can make huge profit margins, if they are able to collect the initial amount owed. This gives them more flexibility when negotiating payments from a consumer. It is possible for negotiating a deal that is 25% or 30% of the debt you initially due. Again, get the agreement written down so that you have proof the debt was deemed to be paid in full for the settlement amount agreed upon. >> MORE: Author bios: Sean Pyles is the executive producer and host of NerdWallet's Smart Money podcast. His work has appeared in The New York Times, USA Today and elsewhere. In a similar vein... 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