PRST STD US POSTAGE PAID BOISE, ID PERMIT 411
Hours: M-F 9AM-6PM
ESTATE PLANNING • KIDS PROTECTION PLANNING • WILLS • HEALTH CARE PROXY • DURABLE POWER OF ATTORNEY • LIVING WILLS • TRUSTS
(508) 795-1557 www.mediationadvantage.com
Twitter: www.twitter.com/PollyATatum Facebook: www.facebook.com/LawOfficeofPollyATatum LinkedIn: www.linkedin.com/pub/polly-tatum/15/50/506
INSIDE THIS ISSUE
19 Cedar St. Worcester, MA 01609
What Legacy Will You Leave Behind?
Why Did 50 Cent Sue Taco Bell?
Goulash, Hungary’s National Dish Your Guide to Family and Medical Leave
Can Collections Go Too Far?
Know Your Legal Rights! When Collections Go Too Far …
Did you know that millions of Americans have debt in collections? Anyone who has ever dealt with a collection agency can attest that it’s no fun. Luckily, there are laws that limit what collection agencies can and cannot do.
Step 1: Know your FDCPA rights.
• Time. Debt collectors are only allowed to call you between 8 a.m. to 9 p.m. in your local time zone. Any calls outside these hours are an FDCPA violation. • Place. You may be contacted by phone, mail, fax, or email; however, collectors can’t contact you in “unusual places,” such as hospitals, schools, or restaurants. Although they can call your home or office, you have the right to tell them not to contact you at your workplace.
If you ever fall behind on paying your mortgage, credit card debt, medical debt, student loans, or auto loans, it’s important to know your rights under the Fair Debt Collection Practices Act (FDCPA). Especially for individuals, FDCPA covers all kinds of debt — but specifically targets third-party debt collectors such as collection agencies, debt buyers, and lawyers who practice debt collection as part of their business.
When, where, and who can contact you to collect your debt? There are some limitations, such as:
Continued on Page 2 ...
www.mediationadvantage.com 4
Made with FlippingBook Ebook Creator