Fair Debt Collection

If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." If you fall behind in repaying your creditors, or an error is made on your accounts, you may be contacted by a "debt collector." A debt collector is any person who regularly collects debts owed to others. This includes attorneys who collect debts on a regular basis.

Fair Debt Collection Practices Act requires that debt collectors treat you fairly and prohibits certain methods of debt collection. Of course, the law does not erase any legitimate debt you owe. There are a number of things that a debt collector may not do according to the Fair Debt Collection Practices Act. These include using threats of violence or harm, publishing a list of consumers who refuse to pay their debts, using obscene or profane language or repeatedly using the telephone to annoy someone. Besides, debt collectors may not give false credit information about a debtor to anyone, including a credit bureau, etc.

If you think a debt collector has gone beyond his/her commission and violated your rights, you can sue a collector in a state or federal court within one year from the date the law was violated. You will need to hire a professional and honest attorney to achieve the possible best results for your case. Joseph C. Ranaldo, Esq. is well versed in Debt legislation and he will be happy to give you legal assistance. Call the Law Offices of Joseph C. Ranaldo, Esq. at
(888) 98 NY LAW.