Debt Collectors Calling Repeatedly - The Most Frequent Violation Of The Fdcpa

By Author: victorcs
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Stress and annoyance become you when you are a victim of debt collection harassment. You could become irritable and nervous to take phone calls expecting the calls to be from debt collectors.

Original creditors can call you to collect the payments for debts owed by you. However, creditors do not pursue beyond a few calls and letters. They sell unpaid debts as delinquent debts to collection agencies known as the third party debt collectors for a pittance. These third party debt collectors try to extract as much money as possible by following whatever tactics they can for this.

Third party collectors are not employed by the creditors to collect money from you and hence are governed by the Federal Trade Commission (FTC) in enforcing the Fair Debt Collection Practices Act (FDCPA).

The FDCPA regulates debt collection practices to ensure fair collection. Third party debt collectors resort to nagging you by calling repeatedly to get the payment from you. This constitutes one of the violations under the FDCPA. Debt collectors can call you and request you for a payment. But calling before 8 am in the morning and ...
... after 9 pm in the evening is a violation. Along with the calls if the debt collectors.

The debt collection agency engages agents who do the dirty job of calling consumers. They use
any and every technique possible to scare you into paying. They leave voice mails or resort to using auto dialers for continues calling.

The FTC received 88,190 FDCPA complaints about third-party debt collectors in 2009. 46.5% of the FDCPA complaints the FTC received in 2009 or 41,028 complaints were about collectors harassing the consumers by calling repeatedly or continuously. This was the most frequent complaint that consumers filed in both 2009 and 2008. The FDCPA lays down strict guidelines on the number of times a debt collector can call and the frequency of his calls. (FDCPA 15 USC 1692d] § 806(5)

When the debt collectors but delinquent debts they get into the business of collecting knowing they don't have much to lose. They start calling you repeatedly with the notion that after all a few calls from their end and you may succumb to pressure of the calls. Some collectors are very enthusiastic and resort to using profane and obscene language. They try to strike at your emotions by embarrassing you or calling you neighbors or relatives about the debt. In 2009, 14, 321 complaints were about debt collectors using abusive language and 9.684 complaints were about calling at inconvenient times.