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Inside This Edition
3 2 1 Zac and Nick Shout-Out the Firm’s Staff Why Did 50 Cent Sue Taco Bell? Your Guide to Family and Medical Leave Goulash, Hungary’s National Dish Can Collections Go Too Far?
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When Collections Go Too Far … Know Your Legal Rights!
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.
When, where, and who can contact you to collect your debt? There are some limitations, such as:
• 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, Continued on Page 2 ...
Step 1: Know your FDCPA rights.
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.
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