If you have intentionally or accidently fallen behind on your bills you may have been placed into collections.
Once an account is turned over to a collection agency, the representative trying to recover the account will begin telephone calls and sending written notices regarding the account. Once those nescience telephone calls begin,they usually do not stop until the account is paid and settled. The debt collectors trying to collect the delinquent accounts have state and federal collection laws they must follow including The Fair Debt Collection Practices Act (FDCPA).
The FDCPA was passed to protect consumers from abusive debt recovery tactics and to promote fair debt collection practices. Both the collectors trying to collect on the past-due accounts and the debtors placed into collections can get frustrated when dealing with these accounts. The representatives will make several telephone calls on a weekly basis reminding debtors of the outstanding accounts. Because the representatives are subject to the FDCPA and other state and federal laws there are certain things the collector can and cannot do and say when making these telephone calls. Below is a list of dos and don’ts for collectors when calling to request payment on the accounts.