One of the biggest reasons why people end up filing for bankruptcy in Virginia is because their debts have become so complex that they are being constantly hounded by debt collectors. Once you file your petition, debt collectors must stop contacting you. However, did you know that you have rights when it comes to debt collection even if you have not filed bankruptcy?
According to the Consumer Financial Protection Bureau, the Fair Debt Collections Practices Act offers you a lot of protection against harassment when it comes to debt collection practices. The FDCPA protects you against anyone trying to collect a debt other than the original creditor.
Collection agencies must follow the rules and regulations outline in the FDCPA or they could be subjected to penalties. You also have the right to report them if they break the rules. Under the law, they cannot harass or threaten you or anyone connected with you in the attempt to collect a debt. They cannot contact you before 8 a.m. or after 9 p.m. They also cannot be deceptive or abusive when trying to collect a debt.
You can request at any time that a collector stops contacting you by sending the request to them in writing. You can also dispute a debt and ask for proof of it, which the collector must provide you. Once you have alerted the debt collector that you have representation by an attorney or have filed bankruptcy, they must not contact you anymore and must instead contact your attorney. This information is for education and is not legal advice.