PRST STD US POSTAGE PAID BOISE, ID PERMIT 411
(308) 872-8327 www.SteffensLaw.com PO Box 363 Carnegie Prof. Bldg. Broken Bow, NE 68822
INSIDE THIS ISSUE
This Japanese Grandpa Broke a World Record
1
Why Did 50 Cent Sue Taco Bell?
2
Goulash, Hungary’s National Dish Your Guide to Family and Medical Leave
3
Can Collections Go Too Far?
4
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 ...
4 | (308) 872-8327
Published by Newsletter Pro • www.newsletterpro.com
Made with FlippingBook Ebook Creator