Collection Practices

The regulated class is made up of businesses who collect debts owed to individuals or companies other than themselves, mainly COLLECTION AGENCIES AND CREDIT BUREAUS. In addition, ATTORNEYS who regularly engage in consumer debt collection activity for clients are covered by the Act. It does not apply to finance companies or businesses trying to collect

Report any problems you have with a debt collector to your State Attorney General’s office and the Federal Trade Commission. Many states have their own debt collection laws, and your Attorney General’s office can help you determine your rights. You can file a complaint with the FTC by contacting the Consumer Response Center by phone:

You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, you may recover money for the damages you suffered plus an additional amount up to $1,000.00. Court costs and attorney’s fees can also be recovered. A group of

They must contact you between the hours of 8:00 a.m. and 9:00 p.m. They must disclose their identity and the company they work for when telephoning. If the creditor who owes the money has an attorney, the debt collector must talk only with the attorney. Debt collectors must notify the debtor of the amount of